{"id":57318,"date":"2025-03-20T22:56:32","date_gmt":"2025-03-20T13:56:32","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/financial-freedom-achievement-plan-for-freshers"},"modified":"2025-03-20T22:56:35","modified_gmt":"2025-03-20T13:56:35","slug":"financial-freedom-achievement-plan-for-freshers","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/financial-freedom-achievement-plan-for-freshers","title":{"rendered":"\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uacbd\uc81c\uc801 \uc790\uc720 \ub2ec\uc131 \uacc4\ud68d"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ea%b2%bd%ec%a0%9c%ec%a0%81-%ec%9e%90%ec%9c%a0-%eb%8b%ac%ec%84%b1-%ea%b3%84%ed%9a%8d-inCzhtBwOx\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uacbd\uc81c\uc801 \uc790\uc720 \ub2ec\uc131 \uacc4\ud68d<\/a><\/li>\n<li><a href=\"#1-%ea%b2%bd%ec%a0%9c%ec%a0%81-%ec%9e%90%ec%9c%a0%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1%ea%b3%bc-%ea%b0%9c%eb%85%90-%ec%9d%b4%ed%95%b4-inCzhtBwOx\">1. \uacbd\uc81c\uc801 \uc790\uc720\uc758 \uc911\uc694\uc131\uacfc \uac1c\ub150 \uc774\ud574<\/a><\/li>\n<li><a href=\"#2-%ec%86%8c%eb%93%9d-%ed%99%95%eb%b3%b4-%eb%b0%8f-%ec%a7%80%ec%b6%9c-%ea%b4%80%eb%a6%ac-%ec%a0%84%eb%9e%b5-inCzhtBwOx\">2. \uc18c\ub4dd \ud655\ubcf4 \ubc0f \uc9c0\ucd9c \uad00\ub9ac \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#3-%ed%88%ac%ec%9e%90-%ea%b8%b0%ec%b4%88-%eb%b0%8f-%ec%b5%9c%ea%b7%bc-%eb%8f%99%ed%96%a5-inCzhtBwOx\">3. \ud22c\uc790 \uae30\ucd08 \ubc0f \ucd5c\uadfc \ub3d9\ud5a5<\/a><\/li>\n<li><a href=\"#4-%ec%a7%80%ec%86%8d-%ea%b0%80%eb%8a%a5%ed%95%9c-%ec%84%b1%ec%9e%a5%ea%b3%bc-%ec%9e%90%ea%b8%b0%ea%b3%84%eb%b0%9c-inCzhtBwOx\">4. \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uacfc \uc790\uae30\uacc4\ubc1c<\/a><\/li>\n<li><a href=\"#%ea%b2%b0%eb%a1%a0-%ea%b2%bd%ec%a0%9c%ec%a0%81-%ec%9e%90%ec%9c%a0%eb%a5%bc-%ed%96%a5%ed%95%9c-%ec%a2%85%ed%95%a9-%eb%a1%9c%eb%93%9c%eb%a7%b5-inCzhtBwOx\">\uacb0\ub860: \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ud5a5\ud55c \uc885\ud569 \ub85c\ub4dc\ub9f5<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ea%b2%bd%ec%a0%9c%ec%a0%81-%ec%9e%90%ec%9c%a0-%eb%8b%ac%ec%84%b1-%ea%b3%84%ed%9a%8d-inCzhtBwOx\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uacbd\uc81c\uc801 \uc790\uc720 \ub2ec\uc131 \uacc4\ud68d<\/title><\/p>\n<h1 id=\"%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ea%b2%bd%ec%a0%9c%ec%a0%81-%ec%9e%90%ec%9c%a0-%eb%8b%ac%ec%84%b1-%ea%b3%84%ed%9a%8d-inCzhtBwOx\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uacbd\uc81c\uc801 \uc790\uc720 \ub2ec\uc131 \uacc4\ud68d<\/h1>\n<h2 id=\"1-%ea%b2%bd%ec%a0%9c%ec%a0%81-%ec%9e%90%ec%9c%a0%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1%ea%b3%bc-%ea%b0%9c%eb%85%90-%ec%9d%b4%ed%95%b4-inCzhtBwOx\">1. \uacbd\uc81c\uc801 \uc790\uc720\uc758 \uc911\uc694\uc131\uacfc \uac1c\ub150 \uc774\ud574<\/h2>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc5c5\ubb34 \ud604\uc7a5\uc5d0 \uccab\ubc1c\uc744 \ub51b\uac8c \ub418\uba74, \uc608\uc0c1\uce58 \ubabb\ud55c \ub9ce\uc740 \ubcc0\ud654\uc640 \ub3c4\uc804\uc5d0 \uc9c1\uba74\ud558\uac8c \ub429\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uc6d4\uae09\uc744 \ubc1b\uace0 \uae30\ubcf8 \uc0dd\uacc4\ub97c \uc720\uc9c0\ud558\ub294 \uac83\uc5d0\uc11c \ubc97\uc5b4\ub098, \uc55e\uc73c\ub85c\uc758 \uc778\uc0dd\uc744 \uc124\uacc4\ud558\uace0 \uc900\ube44\ud574\uc57c \ud55c\ub2e4\ub294 \ucc45\uc784\uac10\uc744 \ub290\ub07c\uac8c \ub418\uc8e0. \uadf8\uc911\uc5d0\uc11c\ub3c4 \u2018\uacbd\uc81c\uc801 \uc790\uc720\u2019\uc5d0 \ub300\ud55c \uac1c\ub150\uc744 \uc77c\ucc0d\uc774 \uc774\ud574\ud558\uace0 \uc2e4\ucc9c\ud558\ub294 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\ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uae30\uc11c \uc6b0\ub9ac\uac00 \uc720\ub150\ud574\uc57c \ud560 \uc810\uc740 \uacbd\uc81c\uc801 \uc790\uc720\uac00 \ub2e8\uae30\uac04\uc5d0 \ub2ec\uc131\ub420 \uc218 \uc5c6\ub294 \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\ub77c\ub294 \uac83\uc785\ub2c8\ub2e4. \uacb0\ucf54 \ud558\ub8e8\uc544\uce68\uc5d0 \u2018\ud070\ub3c8\uc744 \ubc8c\uc5b4\uc11c\u2019 \ud574\uacb0\ub418\ub294 \uadf8\ub7f0 \ubb38\uc81c\ub9cc\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc624\ud788\ub824 \ub2e4\uc591\ud55c \uacbd\uc81c \uc694\uc778, \uac1c\uc778 \uc5ed\ub7c9, \ud22c\uc790 \uc2b5\uad00, \uc9c0\ucd9c \uad6c\uc870 \ub4f1 \uc885\ud569\uc801 \uc694\uc18c\ub4e4\uc774 \ub9de\ubb3c\ub824 \uc624\ub79c \uc2dc\uac04\uc5d0 \uac78\uccd0\uc57c \ub2ec\uc131 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub2f9\uc7a5 \uc6d4\uae09\uc774 \uc801\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uace0 \ud558\ub354\ub77c\ub3c4, \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ud5a5\ud55c \uc791\uc740 \uac78\uc74c\ubd80\ud130 \ucc29\uc2e4\ud788 \ubc1f\uae30 \uc2dc\uc791\ud574\uc57c \ud569\ub2c8\ub2e4. \uc801\uc808\ud55c \uc2dc\uae30\uc5d0 \uc62c\ubc14\ub978 \ubc29\ud5a5\uc744 \uc7a1\uace0, \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc73c\ub85c \ud589\ub3d9\ud55c\ub2e4\uba74 \ubbf8\ub798\uc758 \ubd88\uc548\uc740 \uc904\uc5b4\ub4e4\uace0, \uc0b6\uc5d0\uc11c \uc120\ud0dd\ud560 \uc218 \uc788\ub294 \ud3ed\uc774 \ub113\uc5b4\uc9c8 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \uacbd\uc81c\uc801 \uc790\uc720\ub780 \ub2e8\uc21c\ud788 \ub3c8\uc774 \ub9ce\uc740 \uc0c1\ud0dc\ub9cc\uc744 \uc9c0\uce6d\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c\uc801 \uc9c0\uc704\ub098 \uc9c1\uae09\uc774 \ub192\ub2e4\uace0 \ud574\uc11c \uacbd\uc81c\uc801\uc73c\ub85c \uc790\uc720\ub85c\uc6b4 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub192\uc740 \uc5f0\ubd09\uc744 \ubc1b\ub294 \uc0ac\ub78c\ub4e4\ub3c4 \uc0dd\ud65c\ube44\ub098 \uace0\uc815\uc9c0\ucd9c\uc774 \uc9c0\ub098\uce58\uac8c \ud06c\uba74, \uc0c1\ub300\uc801\uc73c\ub85c \uc800\ucd95\uc774\ub098 \ud22c\uc790\uc5d0 \ud560\uc560\ud560 \uc790\uae08\uc774 \uc801\uc5b4 \uacbd\uc81c\uc801 \uc790\uc720\uc640\ub294 \uac70\ub9ac\uac00 \uba40 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \uc18c\ub4dd\uc774 \uc544\ub2cc \u2018\uc21c\uc790\uc0b0\u2019\uc640 \u2018\uc9c0\uc18d \uac00\ub2a5\ud55c \uc218\uc785 \ucc3d\ucd9c \uad6c\uc870\u2019\ub97c \ub9c8\ub828\ud558\ub294 \uac83\uc774\uba70, \uc774\ub97c \uc704\ud574\uc11c\ub294 \u2018\uc801\uc740 \uae08\uc561\uc73c\ub85c\ub3c4 \uc2dc\uc791\ud560 \uc218 \uc788\ub294 \uccb4\uacc4\uc801\uc778 \ubc29\ubc95\u2019\uc744 \uc219\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc77c\uc218\ub85d \uc6d4\uae09 \uc758\uc874\ub3c4\uac00 \ub192\uc9c0\ub9cc, \uadf8 \uc81c\uc57d\uc744 \uadf9\ubcf5\ud558\uae30 \uc704\ud574 \ubd80\uc5c5, \ud22c\uc790, \uc790\uae30\uacc4\ubc1c\uc5d0 \uad00\uc2ec\uc744 \uae30\uc6b8\uc774\uace0 \uc2e4\ud589\ub825\uc744 \uac16\ucd94\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc81c\uc801 \uc790\uc720\uc758 \uc911\uc694\uc131\uc740 \uc0b6\uc758 \uc548\uc815\uc131\uacfc \uc9c1\uacb0\ub418\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4. \ud65c\ubc1c\ud788 \ud65c\ub3d9\ud560 \uc218 \uc788\ub294 20~30\ub300\uc5d0\ub294 \uc18c\ub4dd \ud655\ubcf4\uac00 \ube44\uad50\uc801 \uc218\uc6d4\ud574 \ubcf4\uc774\uc9c0\ub9cc, \ub098\uc774\uac00 \ub4e4\uc5b4 \ub178\ud6c4\uac00 \ub2e4\uac00\uc654\uc744 \ub54c\ub294 \uc5b4\ub5a8\uae4c\uc694? \ub9cc\uc57d \ud3c9\uc0dd \uc6d4\uae09\ub9cc\uc744 \uc758\uc9c0\ud558\uba70, \uc800\ucd95\uc774\ub098 \ud22c\uc790 \uc5c6\uc774 \uc9c0\ucd9c\ub9cc \ud0a4\uc6cc\uc654\ub2e4\uba74 \ud1f4\uc9c1 \ud6c4\uc758 \uc0b6\uc740 \uc0c1\ub2f9\ud788 \ube60\ub4ef\ud574\uc9c8 \uac83\uc785\ub2c8\ub2e4. \ub610\ud55c \uac1c\uc778\uc758 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c \ubcc0\ud654\ub098 \uac74\uac15 \ubb38\uc81c \ub4f1 \uc608\uae30\uce58 \ubabb\ud55c \uc0c1\ud669\uc5d0 \ub9de\ub2e5\ub728\ub838\uc744 \ub54c \uc774\ub97c \uc720\uc5f0\ud558\uac8c \ub300\ucc98\ud560 \uc5ec\uc720\uac00 \uc5c6\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\ub294 \ucd08\uae30 \ub2e8\uacc4\ubd80\ud130 \ubbf8\ub798\ub97c \uc900\ube44\ud558\ub294 \uac83\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \ud604\uba85\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud55c\ud3b8, \uacbd\uc81c\uc801 \uc790\uc720\ub97c \uc774\uc57c\uae30\ud560 \ub54c \ud568\uaed8 \uace0\ub824\ud574\uc57c \ud560 \ub610 \ud558\ub098\uc758 \uac1c\ub150\uc740 \u2018\ubd80\ucc44 \uad00\ub9ac\u2019\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc77c\uc218\ub85d \ud559\uc790\uae08 \ub300\ucd9c, \uc8fc\uac70 \ube44\uc6a9 \ub300\ucd9c, \uc790\ub3d9\ucc28 \ud560\ubd80\uae08 \ub4f1 \ub2e4\uc591\ud55c \ud615\ud0dc\uc758 \ube5a\uc774 \uc788\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uc774\uac83\ub4e4\uc744 \ubc29\uce58\ud558\uac70\ub098, \ud639\uc740 \ubb34\ub9ac\ud55c \ub300\ucd9c\uc744 \ub354\ud574\ubc84\ub9ac\uba74 \uc774\uc790 \ubd80\ub2f4\uc774 \ucee4\uc838 \ub098\uc911\uc5d0 \ub354 \ud070 \uacbd\uc81c\uc801 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubd80\ucc44 \uac10\ucd95 \uacc4\ud68d\uc744 \uc138\uc6b0\uace0, \uac00\ub2a5\ud55c \ud55c \uc774\uc790\ub97c \uc904\uc774\ub294 \ubc29\ud5a5\uc73c\ub85c \uc7ac\ubb34 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \uac83 \ub610\ud55c \uc911\uc694\ud569\ub2c8\ub2e4. \ud544\uc694\ud558\ub2e4\uba74 \uae08\uc735\uc0c1\ud488\uc744 \uaf3c\uaf3c\ud788 \ube44\uad50 \ubd84\uc11d\ud558\uc5ec \uc801\ud569\ud55c \ubc29\uc2dd\uc73c\ub85c \ub300\ucd9c\uc744 \uc804\ud658\ud558\uac70\ub098 \uc870\uae30 \uc0c1\ud658\uc744 \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc81c\uc801 \uc790\uc720\uc758 \ucd9c\ubc1c\uc810\uc740 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ud30c\uc545\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc6d4\uae09, \ubd80\uc218\uc785, \uc9c0\ucd9c \ub0b4\uc5ed, \ubd80\ucc44 \uaddc\ubaa8 \ub4f1\uc744 \ucca0\uc800\ud788 \uae30\ub85d\ud558\uace0, \uc774\ub97c \ud1b5\ud574 \uc7ac\ubb34 \ud604\ud669\uc744 \ud55c\ub208\uc5d0 \ud30c\uc545\ud560 \uc218 \uc788\ub3c4\ub85d \uad6c\uc870\ud654\ud574\ubcf4\uc138\uc694. \ucc98\uc74c\uc5d0\ub294 \uc5d1\uc140\uc774\ub098 Google Sheets \uac19\uc740 \uac04\ub2e8\ud55c \ud234\uc744 \uc774\uc6a9\ud558\ub294 \uac83\ub3c4 \uc88b\uace0, \ubaa8\ubc14\uc77c \uac00\uacc4\ubd80 \uc571\uc744 \uc0ac\uc6a9\ud558\ub294 \uac83\ub3c4 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \uc9c0\uc18d\uc801 \uad00\ub9ac\uc640 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc9c0\ucd9c \ud56d\ubaa9\uc744 \ud30c\uc545\ud558\uace0 \ud6a8\uc728\ud654\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub807\uac8c \uae30\ucd08\uc801\uc778 \uc7ac\ubb34 \ud30c\uc545 \uc2b5\uad00\uc774 \uc313\uc774\uba74, \uc810\ucc28 \ud22c\uc790\ub97c \uc704\ud55c \uc885\uc7a3\ub3c8\uc744 \ub9cc\ub4e4\uc5b4\ub098\uac00\uae30\uac00 \uc218\uc6d4\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uae30\uc11c \uac04\uacfc\ud558\uae30 \uc26c\uc6b4 \ubd80\ubd84\uc774 \u2018\uc2ec\ub9ac\uc801 \uc548\uc815\u2019\uc785\ub2c8\ub2e4. \uc0ac\ub78c\ub4e4\uc740 \uacbd\uc81c\uc801 \ubb38\uc81c\ub97c \uacaa\uc73c\uba74 \uc27d\uac8c \uc2a4\ud2b8\ub808\uc2a4\ub098 \ubd88\uc548\uc5d0 \ube60\uc9d1\ub2c8\ub2e4. \uc774\ub294 \uc790\uae30\uacc4\ubc1c\uc774\ub098 \ud6a8\uc728\uc801 \uc5c5\ubb34 \uc218\ud589\uc5d0 \uc545\uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ubc18\ub300\ub85c, \uc77c\uc815 \uc815\ub3c4\uc758 \uc7ac\ubb34\uc801 \uc548\uc815\uc744 \uad6c\ucd95\ud558\uba74 \uc2ec\ub9ac\uc801\uc73c\ub85c\ub3c4 \uc5ec\uc720\uac00 \uc0dd\uae30\uace0, \ub354 \ud070 \uc131\uc7a5\uc758 \ubc1c\ud310\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c\ub294 \uc774 \ubd80\ubd84\uc774 \ud2b9\ud788 \uc911\uc694\ud55c\ub370, \uc544\uc9c1 \ub2e4\uc591\ud55c \uc0b6\uc758 \uacfc\uc815\uc744 \uacbd\ud5d8\ud558\uc9c0 \ubabb\ud588\uae30\uc5d0 \uc791\uc740 \uc7ac\uc815\uc801 \ub09c\uad00\uc5d0\ub3c4 \uc2ec\uc801\uc73c\ub85c \ud06c\uac8c \ud754\ub4e4\ub9b4 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uacbd\uc81c\uc801 \uc790\uc720\ub294 \uac1c\uc778\uc758 \uac00\uce58\uad00\uacfc \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc5d0\ub3c4 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc5b4\ub5a4 \uc0ac\ub78c\uc740 \uc9c1\uc7a5\ub9cc\uc758 \uc548\uc815\uc131\ubcf4\ub2e4\ub3c4 \ucc3d\uc5c5\uc744 \uafc8\uafc0 \uc218 \uc788\uace0, \ub610 \ub2e4\ub978 \uc0ac\ub78c\uc740 \uc138\uacc4 \uc5ec\ub7ec \ub098\ub77c\ub97c \uc5ec\ud589\ud558\uba70 \uc6d0\uaca9\uc73c\ub85c \uc77c\ud558\ub294 \ub514\uc9c0\ud138 \ub178\ub9c8\ub4dc\ub97c \uc9c0\ud5a5\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c5\ud2b9\ud55c \uc0b6\uc758 \ubc29\uc2dd\uc744 \uc2e4\ud604\ud558\uae30 \uc704\ud574\uc11c\ub294 \ubb3c\uc9c8\uc801 \uae30\ubc18\uc774 \ud544\uc218\uc801\uc774\uba70, \uc774\ub54c \uacbd\uc81c\uc801 \uc790\uc720\ub294 \uc120\ud0dd\uc9c0\ub97c \ud06c\uac8c \ub113\ud600\uc90d\ub2c8\ub2e4. \uc989, &#8216;\ub3c8 \ub54c\ubb38\uc5d0 \ud558\uace0 \uc2f6\uc740 \uc77c\uc744 \ud558\uc9c0 \ubabb\ud55c\ub2e4&#8217;\ub77c\ub294 \uc0c1\ud669\uc744 \ud53c\ud558\uac8c \ud574\uc8fc\uace0, \uc624\ub86f\uc774 \uc790\uc2e0\uc758 \uc5f4\uc815\uacfc \ube44\uc804\uc5d0 \uc9d1\uc911\ud560 \uc218 \uc788\ub294 \ud658\uacbd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\uc740 \uacbd\ud5d8\uacfc \ubc30\uc6c0\uc758 \uc2dc\uae30\uc778 \ub3d9\uc2dc\uc5d0, \uc7ac\uc815\uc801 \uc2b5\uad00\uc744 \ud615\uc131\ud558\uace0 \ubbf8\ub798\ub97c \uc704\ud55c \uae30\ubc18\uc744 \ub2e6\ub294 \uacb0\uc815\uc801 \uc2dc\uc810\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774 \ub54c \uc62c\ubc14\ub978 \ubaa9\ud45c \uc124\uc815\uacfc \uc9c0\uc18d\uc801\uc778 \uc2e4\ud589\uc774 \uc5c6\ub2e4\uba74, \uc2dc\uac04\uc774 \ud750\ub978 \ub4a4\uc5d0 \ud6c4\ud68c\ud558\uac8c \ub420 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \uadf8\ub807\uae30 \ub54c\ubb38\uc5d0 \ub9c9\uc5f0\ud788 &#8216;\ub3c8\uc744 \ubaa8\uc544\uc57c\uaca0\ub2e4&#8217;\ub77c\ub294 \uc0dd\uac01\ubcf4\ub2e4\ub294, \uad6c\uccb4\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uacfc \ud589\ub3d9 \uc804\ub7b5\uc744 \uc138\uc6cc\uc11c \uc6c0\uc9c1\uc774\ub294 \uac83\uc774 \ud6e8\uc52c \ub354 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc5d0\ub294 \uc800\ucd95 \ubaa9\ud45c \uc218\ub9bd, \uc9c0\ucd9c \ud1b5\uc81c, \ud22c\uc790 \uac1c\ub150 \uc2b5\ub4dd \ub4f1\uc774 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\uad6d \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ucd94\uad6c\ud55c\ub2e4\ub294 \uac83\uc740 \uc790\uc2e0\uc758 \uc0b6\uc5d0 \ub300\ud55c \ucc45\uc784\uac10\uc744 \uac16\uace0, \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uc73c\ub85c \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc138\uc6cc \uc2e4\ucc9c\ud558\uc5ec \ub354 \ud48d\ubd80\ud558\uace0 \uc790\uc720\ub85c\uc6b4 \uc778\uc0dd\uc744 \uc0b4\uc544\uac00\uaca0\ub2e4\ub294 \uc758\uc9c0\uc758 \ud45c\ud604\uc785\ub2c8\ub2e4. \ud0c0\uc778\uc758 \uc2dc\uc120\uc774\ub098 \uc77c\uc2dc\uc801\uc778 \uc720\ud589\uc5d0 \ud729\uc4f8\ub9ac\uc9c0 \uc54a\uace0, \ud55c \uac78\uc74c\uc529 \uafb8\uc900\ud788 \ub098\uc544\uac00\ub294 \uc790\uc138\uac00 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\uc5b4\uc9c0\ub294 \uc139\uc158\uc5d0\uc11c\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uaf2d \uc54c\uc544\uc57c \ud560 \uc18c\ub4dd \ud655\ubcf4 \uc804\ub7b5\ubd80\ud130 \uc9c0\ucd9c \uad00\ub9ac, \ud22c\uc790 \uae30\ucd08, \uadf8\ub9ac\uace0 \uc790\uae30\uacc4\ubc1c \ubc29\uc548\uae4c\uc9c0 \ub2e8\uacc4\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc81c\uc801 \uc790\uc720\ub97c \ub2ec\uc131\ud558\ub294 \uae38\uc740 \uba40\uace0\ub3c4 \ud5d8\ub09c\ud574 \ubcf4\uc774\uc9c0\ub9cc, \uc0ac\uc2e4 \uc791\uc740 \ubcc0\ud654\ubd80\ud130 \ucc28\uadfc\ucc28\uadfc \uc2dc\uc791\ud558\uba74 \ub204\uad6c\ub098 \uac00\ub2a5\ud55c \ubaa9\ud45c\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0\ub294 \uae08\uc561 \uc790\uccb4\uac00 \uc791\uc544\ub3c4, \ub178\ub825 \ub300\ube44 \uc131\uc7a5 \uc18d\ub3c4\uac00 \ube60\ub974\uace0 \ubc30\uc6c0\uc758 \uae30\ud68c\uac00 \ub9ce\ub2e4\ub294 \uc810\uc5d0\uc11c \ubd84\uba85\ud788 \uc774\uc810\uc744 \uac16\uc2b5\ub2c8\ub2e4. \uc774 \uc810\uc744 \uaf2d \uc778\uc9c0\ud558\uc2dc\uace0, \uc55e\uc73c\ub85c \uc18c\uac1c\ud560 \uc804\ub7b5\ub4e4\uc744 \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \ub9de\ucd94\uc5b4 \uc2e4\ucc9c\ud574\ubcf4\uc2dc\uae38 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc81c \ubcf8\uaca9\uc801\uc73c\ub85c \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ud5a5\ud574 \uccab \ubc1c\uc744 \ub0b4\ub51b\uae30 \uc704\ud55c \uc18c\ub4dd \ud655\ubcf4 \ubc0f \uc9c0\ucd9c \uad00\ub9ac \uc804\ub7b5\ubd80\ud130 \uc0b4\ud3b4\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \ub2f9\uc7a5 \uc2e4\ucc9c\ud560 \uc218 \uc788\ub294 \ud604\uc2e4\uc801\uc778 \ubc29\ubc95\ub4e4\uc744 \uc911\uc810\uc801\uc73c\ub85c \ub2e4\ub8e8\uba70, \uad6c\uccb4\uc801\uc778 \uc608\uc2dc\uc640 \ucf00\uc774\uc2a4 \uc2a4\ud130\ub514\ub3c4 \ud568\uaed8 \uc81c\uc2dc\ud560 \uc608\uc815\uc774\ub2c8, \uc790\uc2e0\uc758 \uc7ac\ubb34\ud658\uacbd\uc744 \ubc18\uc601\ud574 \uaf3c\uaf3c\ud788 \uc0b4\ud3b4\ubd10 \uc8fc\uc138\uc694.<\/p>\n<h2 id=\"2-%ec%86%8c%eb%93%9d-%ed%99%95%eb%b3%b4-%eb%b0%8f-%ec%a7%80%ec%b6%9c-%ea%b4%80%eb%a6%ac-%ec%a0%84%eb%9e%b5-inCzhtBwOx\">2. \uc18c\ub4dd \ud655\ubcf4 \ubc0f \uc9c0\ucd9c \uad00\ub9ac \uc804\ub7b5<\/h2>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \uc18c\ub4dd \ud655\ubcf4\uc640 \uc9c0\ucd9c \uad00\ub9ac\ub294 \uacbd\uc81c\uc801 \uc790\uc720\ub97c \uc704\ud55c \uac00\uc7a5 \uae30\ucd08\uc801\uc778 \ub2e8\uacc4\uc785\ub2c8\ub2e4. \uc6d4\uae09\ub9cc\uc73c\ub85c\ub294 \uc808\ub300\uc801\uc778 \uae08\uc561\uc774 \ubd80\uc871\ud558\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\uace0, \ucd08\uae30\uc5d0 \ubc1b\ub294 \uc5f0\ubd09\ub3c4 \uadf8\ub2e4\uc9c0 \ub192\uc9c0 \uc54a\uc744 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774\ub54c\ubd80\ud130 \ub9cc\ub4e4\uc5b4\uc9c4 \uc7ac\ubb34 \uc2b5\uad00\uc774 \ud3c9\uc0dd\uc758 \uc7ac\ubb34 \uc0dd\ud65c\uc744 \uc88c\uc6b0\ud558\ubbc0\ub85c, \uc870\uae08\uc758 \uae08\uc561\uc774\ub77c\ub3c4 \uc81c\ub300\ub85c \uad00\ub9ac\ud558\ub294 \ud0dc\ub3c4\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uba3c\uc800 \uc18c\ub4dd \uad6c\uc870\ubd80\ud130 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc804\ud1b5\uc801\uc73c\ub85c\ub294 \uc815\uaddc\uc9c1\uc758 \uc6d4\uae09\uc774 \uc8fc\ub41c \uc18c\ub4dd\uc6d0\uc774 \ub418\uaca0\uc9c0\ub9cc, \ucd5c\uadfc\uc5d0\ub294 \ubd80\uc5c5\uc774\ub098 \ud504\ub9ac\ub79c\uc11c \ud65c\ub3d9, \uadf8\ub9ac\uace0 \uc628\ub77c\uc778 \uc791\uc5c5\uc744 \ud1b5\ud574 \ucd94\uac00 \uc18c\ub4dd\uc744 \ud655\ubcf4\ud558\ub294 \uacbd\uc6b0\uac00 \ub298\uc5b4\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \ubd80\uc5c5 \uad6c\uc870\ub294 \uc0dd\uac01\ubcf4\ub2e4 \ub2e4\uc591\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud22c\uc7a1(\ub450 \ubc88\uc9f8 \uc9c1\uc5c5)\uc744 \uace0\ub824\ud558\ub294 \uacbd\uc6b0\ub97c \uc0b4\ud3b4\ubd05\uc2dc\ub2e4. \ud68c\uc0ac \uc5c5\ubb34 \ud6c4\uc5d0 \uc790\uc2e0\uc774 \uac00\uc9c4 \ud2b9\uc815 \uae30\uc220(\uc608: \ub514\uc790\uc778, \ubc88\uc5ed \ub4f1)\uc744 \ud65c\uc6a9\ud574 \uc678\uc8fc \uc791\uc5c5\uc744 \ud558\uac70\ub098, \ud639\uc740 \uae00\uc4f0\uae30\ub098 \uc601\uc0c1 \ucf58\ud150\uce20 \uc81c\uc791\uc744 \ud1b5\ud574 \uad11\uace0\uc218\uc775\uc744 \uc5bb\ub294 \uc0ac\ub78c\ub4e4\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4. \uc791\uc740 \uc218\uc775\uc774\ub77c\ub3c4 \uafb8\uc900\ud788 \ub204\uc801\ud558\uba74 \uc885\uc7a3\ub3c8 \ub9c8\ub828\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ubb3c\ub860 \uccb4\ub825\uacfc \uc2dc\uac04\uc744 \uace0\ub824\ud574\uc57c \ud558\ubbc0\ub85c, \uc790\uc2e0\uc758 \uc0dd\ud65c \ud328\ud134\uc5d0 \ub9de\ub294 \ubd80\uc5c5\uc744 \ucc3e\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ubb34\ub9ac\ud574\uc11c \ubaa8\ub4e0 \uac78 \ud558\ub824\ub2e4 \ubcf4\uba74 \uacb0\uad6d \ubc88\uc544\uc6c3\uc5d0 \ube60\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc74c\uc73c\ub85c\ub294 \uc9c0\ucd9c \uad00\ub9ac \uc804\ub7b5\uc744 \ub2e4\ub8e8\uaca0\uc2b5\ub2c8\ub2e4. \uc9c0\ucd9c\uc744 \uc904\uc774\ub294 \uac00\uc7a5 \ub2e8\uc21c\ud55c \ubc29\ubc95\uc740 \uc77c\uc0c1 \uc0dd\ud65c\uc5d0\uc11c \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc774\ub294 \uac83\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub9c9\u6f20\ud558\uac8c \u2018\uc18c\ube44\ub97c \uc904\uc774\uc790\u2019\ub77c\uace0 \uc0dd\uac01\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub294 \uc2e4\ud6a8\uc131\uc774 \ub5a8\uc5b4\uc9d1\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc73c\ub85c \ud56d\ubaa9\ubcc4 \uc9c0\ucd9c\uc744 \uae30\ub85d\ud558\uace0, \uadf8\uc911 \ubd88\ud544\uc694\ud55c \ud56d\ubaa9\uc744 \ucc3e\uc544 \ud558\ub098\uc529 \uc81c\uac70\ud558\uac70\ub098 \ub300\uccb4 \uc218\ub2e8\uc744 \ucc3e\ub294 \ub178\ub825\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc6d4 \uc815\uae30 \uad6c\ub3c5 \ud615\ud0dc\uc758 \uc11c\ube44\uc2a4\ub97c \uc5ec\ub7ec \uac1c \uacb0\uc81c\ud574 \ub193\uc558\ub2e4\uba74, \uc2e4\uc81c\ub85c \uc790\uc8fc \uc0ac\uc6a9\ud558\ub294\uc9c0 \ud655\uc778\ud574\ubcf4\uc138\uc694. \uc0ac\uc6a9\ud558\uc9c0 \uc54a\ub294 \uc11c\ube44\uc2a4\uac00 \uc788\ub2e4\uba74 \uacfc\uac10\ud788 \ud574\uc9c0\ud558\uc5ec \uc9c0\ucd9c\uc744 \ucd5c\uc18c\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uac00\uacc4\ubd80\ub97c \uc791\uc131\ud558\ub294 \uc2b5\uad00\uc740 \uc9c0\ucd9c \uad00\ub9ac\uc5d0 \uc720\uc6a9\ud55c \ubb34\uae30\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \uac00\uacc4\ubd80\ub294 \uc6d4\uae09 \ub300\ube44 \uc9c0\ucd9c \uad6c\uc870\ub97c \ud55c\ub208\uc5d0 \ubcf4\uc5ec\uc8fc\uae30 \ub54c\ubb38\uc5d0, \uc2a4\uc2a4\ub85c \uc18c\ube44 \ud328\ud134\uc744 \uc9c4\ub2e8\ud558\uace0 \uac1c\uc120\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc678\uc2dd\ube44, \uc1fc\ud551\ube44, \uad50\ud1b5\ube44, \uc6d4\uc138 \ub4f1 \uc8fc\uc694 \uc9c0\ucd9c \ud56d\ubaa9\uc744 \uce74\ud14c\uace0\ub9ac\ubcc4\ub85c \uc124\uc815\ud558\uace0, \uc9c0\ucd9c\uc774 \ubc1c\uc0dd\ud560 \ub54c\ub9c8\ub2e4 \uc989\uc2dc \uae30\ub85d\ud558\uba74 \uc88b\uc2b5\ub2c8\ub2e4. \ucd5c\uc2e0\uc758 \ubaa8\ubc14\uc77c \uac00\uacc4\ubd80 \uc571\uc740 \uc790\ub3d9\uc73c\ub85c \uce74\ub4dc \ub0b4\uc5ed\uc744 \ubd88\ub7ec\uc640 \uc6d0\ud074\ub9ad\uc73c\ub85c \ubd84\ub958\uae4c\uc9c0 \ud574\uc8fc\ubbc0\ub85c, \uae30\ub85d \uacfc\uc815\uc744 \ud06c\uac8c \ub2e8\ucd95\uc2dc\ucf1c\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\ub2e4 \uccb4\uacc4\uc801\uc778 \uc9c0\ucd9c \uad00\ub9ac \ubc29\ubc95\uc73c\ub85c\ub294 \u2018\ubaa9\ud45c \uc608\uc0b0 \ubc29\uc2dd(Budgeting for Goals)\u2019\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ub9e4\ub2ec \uc18c\ub4dd \uc911\uc5d0\uc11c \ud2b9\uc815\ud55c \ube44\uc911\uc744 \uc800\ucd95, \ud22c\uc790, \uc790\uae30\uacc4\ubc1c, \uc0dd\ud65c\ube44 \ub4f1\uc73c\ub85c \ub098\ub204\uc5b4 \ubc30\uc815\ud55c \ub4a4, \uac01 \ud56d\ubaa9\uc5d0 \ud560\ub2f9\ub41c \uc608\uc0b0 \ubc94\uc704 \uc548\uc5d0\uc11c\ub9cc \uc9c0\ucd9c\uc744 \ud5c8\uc6a9\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub97c\ud14c\uba74 \uc6d4\uae09\uc758 50%\ub294 \uc0dd\ud65c\ube44, 20%\ub294 \uc800\ucd95, 20%\ub294 \ud22c\uc790, 10%\ub294 \uc790\uae30\uacc4\ubc1c \ub4f1\uc73c\ub85c \ucc59\uae30\uace0, \ucd08\uacfc \uc9c0\ucd9c\uc744 \ucd5c\uc18c\ud654\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ubd84\uba85\ud55c \ubaa9\ud45c\uc640 \ud55c\ub3c4\ub97c \uc124\uc815\ud558\uba74 \uc18c\ube44\ub97c \ud1b5\uc81c\ud558\uae30\uac00 \ud6e8\uc52c \uc218\uc6d4\ud574\uc9c0\uace0, \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc808\uc57d\ub41c \uae08\uc561\uc744 \ubaa8\uc544 \ud22c\uc790\ub098 \ube44\uc0c1\uae08\uc73c\ub85c \ud65c\uc6a9\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\ud55c\ud3b8, \uae30\uc220\uc801 \ub3c4\uc6c0\uc744 \ubc1b\uc544 \uc9c0\ucd9c \uad00\ub9ac\ub97c \uc790\ub3d9\ud654\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc6d4\uae09\uc774 \ub4e4\uc5b4\uc624\uba74 \uc790\ub3d9\uc73c\ub85c \uc801\uae08 \uacc4\uc88c\ub85c \uc77c\uc815 \uae08\uc561\uc774 \ube60\uc838\ub098\uac00\ub3c4\ub85d \uc124\uc815\ud558\uac70\ub098, \uc2e0\uc6a9\uce74\ub4dc \ub300\uc2e0 \uccb4\ud06c\uce74\ub4dc\ub97c \uc8fc\ub85c \uc0ac\uc6a9\ud558\uc5ec \uacb0\uc81c \uc989\uc2dc \uc794\uc561\uc774 \uc904\uc5b4\ub4dc\ub294 \uac83\uc744 \ud655\uc778\ud568\uc73c\ub85c\uc368 \uacfc\uc18c\ube44\ub97c \ubc29\uc9c0\ud558\ub294 \ubc29\ubc95 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc2a4\ub9c8\ud2b8\ud3f0 \uc54c\ub9bc\uacfc \uc5f0\ub3d9\ud574 \uc8fc\uac04 \ud639\uc740 \uc6d4\uac04 \uc9c0\ucd9c \ub0b4\uc5ed\uc744 \uc694\uc57d \ubcf4\uace0\ubc1b\uc73c\uba74, \uc790\uc2e0\uc758 \uc18c\ube44 \uc2b5\uad00\uc744 \ub354\uc6b1 \uccb4\uacc4\uc801\uc774\uace0 \uc9c0\uc18d\uc801\uc73c\ub85c \uc810\uac80\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uad00\ub9ac \ub178\ub825\uc744 \ub3c4\uc640\uc904 \uc218 \uc788\ub294 \uac04\ub2e8\ud55c \ud30c\uc774\uc36c \ucf54\ub4dc\ub97c \uc608\uc2dc\ub85c \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc6d4\ubcc4 \uc218\uc785\uacfc \uc9c0\ucd9c \ub370\uc774\ud130\ub97c \uad00\ub9ac\ud558\uace0 \uc800\uc7a5\ud558\ub294 \uae30\ubcf8 \ud504\ub85c\uadf8\ub7a8\uc744 \ub9cc\ub4e4\uc5b4 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<pre><code>\nincome_list = []\nexpense_list = []\n\ndef add_income(amount, description):\n    income_list.append((amount, description))\n\ndef add_expense(amount, description):\n    expense_list.append((amount, description))\n\ndef get_balance():\n    total_income = sum([item[0] for item in income_list])\n    total_expense = sum([item[0] for item in expense_list])\n    return total_income - total_expense\n\ndef print_report():\n    print(\"=== Income Report ===\")\n    for inc in income_list:\n        print(f\"Amount: {inc[0]}, Description: {inc[1]}\")\n    print(\"=== Expense Report ===\")\n    for exp in expense_list:\n        print(f\"Amount: {exp[0]}, Description: {exp[1]}\")\n    print(\"====================\")\n    print(f\"Current Balance: {get_balance()}\")\n\n# \uc608\uc2dc \uc0ac\uc6a9\nadd_income(3000000, \"\uc6d4\uae09\")\nadd_income(200000, \"\ubd80\uc5c5 - \ub514\uc790\uc778 \uc678\uc8fc\")\nadd_expense(400000, \"\uc6d4\uc138\")\nadd_expense(150000, \"\uc2dd\ube44\")\nprint_report()\n<\/code><\/pre>\n<p>\uc704 \ucf54\ub4dc\ub294 \ub9e4\uc6b0 \uae30\ucd08\uc801\uc778 \uc608\uc2dc\uc774\uc9c0\ub9cc, \uc774\ub97c \uc751\uc6a9\ud558\uba74 \uc9c0\ucd9c \ud328\ud134\uc744 \uc790\ub3d9\uc73c\ub85c \ubd84\uc11d\ud558\uace0 \ud1b5\uacc4 \uadf8\ub798\ud504\ub97c \uc0dd\uc131\ud558\uac70\ub098, \uc608\uc0b0 \ubc94\uc704\ub97c \ucd08\uacfc\ud588\uc744 \ub54c \uc54c\ub9bc\uc744 \ub744\uc6b0\ub3c4\ub85d \ubc1c\uc804\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub807\uac8c \uac1c\uc778\uc6a9 \uc7ac\ubb34 \uad00\ub9ac \ub3c4\uad6c\ub97c \uc2a4\uc2a4\ub85c \ucee4\uc2a4\ud130\ub9c8\uc774\uc9d5\ud558\uba74, \uc6d4\ubcc4 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud574 \uc18c\ube44 \uc2b5\uad00\uc744 \uac1c\uc120\ud558\uac70\ub098 \ud22c\uc790 \uc5ec\ub825\uc744 \ub298\ub9ac\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\ucd9c\uc744 \uc904\uc774\ub294 \uac83\ub9cc\ud07c\uc774\ub098 \uc911\uc694\ud55c \ub2e8\uacc4\ub294 \uc6b0\ub9ac\uac00 \ubaa8\uc740 \uc790\uae08\uc744 \uc5b4\ub5bb\uac8c \ubd88\ub9b4 \uac83\uc778\uac00 \ud558\ub294 \ubb38\uc81c\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uac00\uc7a5 \ud754\ud558\uac8c \ube60\uc9c0\ub294 \ud568\uc815 \uc911 \ud558\ub098\ub294, \ubaa9\ub3c8\uc744 \ubaa8\uc73c\uc9c0\ub3c4 \ud22c\uc790\ud558\uc9c0\ub3c4 \uc54a\uace0 \u2018\uadf8\ub0e5 \ud758\ub824\ubcf4\ub0b4\ub294\u2019 \uacbd\uc6b0\uac00 \ub9ce\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uac00\ub839 \uc6d4\uae09 \ud1b5\uc7a5\uc5d0 \uba87 \ub2ec\uac04 \ub3c8\uc744 \uadf8\ub300\ub85c \uc313\uc544\ub450\uac70\ub098, \uae08\ub9ac\uac00 \ub0ae\uc740 \uc608\uae08 \uc0c1\ud488\ub9cc \uac00\uc785\ud574\ub450\uace0 \ub9cc\uc871\ud574\ubc84\ub9ac\ub294 \uc2dd\uc774\uc8e0. \uc774\uc790\ub9c8\uc800 \ub0ae\uc544\uc9c4 \uc0c1\ud0dc\uc5d0\uc11c\ub294 \uc7a5\uae30\uc801\uc778 \uc778\ud50c\ub808\uc774\uc158\uc744 \uace0\ub824\ud560 \ub54c \uc624\ud788\ub824 \ub3c8\uc758 \uc2e4\uc9c8\uac00\uce58\uac00 \uac10\uc18c\ud55c\ub2e4\ub294 \uc810\uc744 \uc778\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098 \ubb34\uc870\uac74 \uc704\ud5d8\uc790\uc0b0\uc5d0 \ub6f0\uc5b4\ub4e4\ub77c\ub294 \uc774\uc57c\uae30\ub294 \uc544\ub2d9\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \uae08\uc561\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ucdb0 \ub2e4\uac01\ub3c4\ub85c \ud22c\uc790\ucc98\ub97c \ubaa8\uc0c9\ud558\uace0, \uc18c\ub4dd \ub300\ube44 \uc801\uc808\ud55c \uc704\ud5d8 \uad00\ub9ac \uae30\ubc95\uc744 \uc801\uc6a9\ud558\ub294 \uac83\uc778\ub370, \uc774\ub294 \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c \ub354\uc6b1 \uc790\uc138\ud788 \ub2e4\ub8e8\uaca0\uc2b5\ub2c8\ub2e4. \uad81\uadf9\uc801\uc73c\ub85c \uc18c\ub4dd\uc744 \ub298\ub9ac\uace0, \uc9c0\ucd9c\uc744 \ud6a8\uc728\ud654\ud558\uba70, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uafb8\uc900\ud788 \ud22c\uc790\ud55c\ub2e4\uba74 \uc758\ubbf8 \uc788\ub294 \uc2dc\ub4dc\uba38\ub2c8(\uc885\uc7a3\ub3c8)\ub97c \ub9c8\ub828\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc18c\ub4dd \ud655\ubcf4\uc640 \uc9c0\ucd9c \uad00\ub9ac\ub294 \ub2e8\uc9c0 \ub3c8 \ubb38\uc81c\ub9cc\uc774 \uc544\ub2c8\ub77c \uc0b6\uc758 \uc804\ubc18\uc801\uc778 \ud0dc\ub3c4\uc640 \uc5f0\uacb0\ub41c\ub2e4\ub294 \uc810\uc744 \uae30\uc5b5\ud574\uc57c \ud569\ub2c8\ub2e4. \uc544\ub974\ubc14\uc774\ud2b8\ub098 \ubd80\uc5c5\uc744 \ud1b5\ud574 \uc5bb\ub294 \uc218\uc785\uc774 \uc791\ub354\ub77c\ub3c4, \uadf8 \uacfc\uc815\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \ub2a5\ub825\uc744 \ubc30\uc6b0\uac70\ub098 \uc778\uac04\uad00\uacc4\ub97c \ud655\uc7a5\ud560 \uc218 \uc788\uc8e0. \uc9c0\ucd9c\uc744 \uc904\uc774\ub294 \uacfc\uc815\uc5d0\uc11c\ub3c4 \uc808\uc57d \uc2b5\uad00\ubfd0\ub9cc \uc544\ub2c8\ub77c \ud658\uacbd \ubcf4\ud638, \ubbf8\ub2c8\uba40 \ub77c\uc774\ud504 \ub4f1 \uc790\uae30\uacc4\ubc1c\uc801 \uac00\uce58\uad00\uc744 \ud68d\ub4dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacbd\ud5d8\ub4e4\uc740 \ud5a5\ud6c4 \ub354 \ud48d\uc694\ub85c\uc6b4 \uc778\uc0dd\uc744 \uc990\uae30\ub294 \ub370 \uae30\uc5ec\ud558\uba70, \uad81\uadf9\uc801\uc73c\ub85c \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ub2ec\uc131\ud558\ub294 \ud1a0\ub300\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \uc18c\ub4dd \uc99d\uac00\uc640 \uc9c0\ucd9c \ud6a8\uc728\ud654\ub97c \ubcd1\ud589\ud55c\ub2e4\uba74, \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\ubd80\ud130\ub3c4 \uaf64\ub098 \uc2e4\uc9c8\uc801\uc778 \uc7ac\ubb34 \uac1c\uc120 \ud6a8\uacfc\ub97c \ub290\ub084 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \ud22c\uc790 \uae30\ucd08\ub97c \uc775\ud788\uace0 \ucd5c\uadfc \ud2b8\ub80c\ub4dc\ub97c \ud30c\uc545\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \uae4a\uc774 \uc788\uac8c \ub2e4\ub904\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uacbd\uc81c\uc801 \uc790\uc720\ub85c \uac00\ub294 \uae38\uc5d0\uc11c \ud22c\uc790\ub294 \ube7c\ub193\uc744 \uc218 \uc5c6\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc774\uc790, \uc2e4\ud328 \uc704\ud5d8\ub3c4 \ub3d9\uc2dc\uc5d0 \uc874\uc7ac\ud558\ub294 \uc601\uc5ed\uc774\ubbc0\ub85c \ub354\uc6b1 \uc2e0\uc911\ud558\uace0 \uccb4\uacc4\uc801\uc778 \uc811\uadfc\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud55c \uac00\uc9c0 \uc78a\uc9c0 \ub9d0\uc544\uc57c \ud560 \uc810\uc740 \uc18c\ub4dd\uacfc \uc9c0\ucd9c \uad00\ub9ac\uac00 \ub2e8\uae30\uac04\uc758 \uc774\ubca4\ud2b8\uac00 \uc544\ub2c8\ub77c, \ud3c9\uc0dd \uc9c0\uc18d\ub420 \uc2b5\uad00\uc774\ub77c\ub294 \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \ucd08\ubc18\uc758 \uc791\uc740 \ud1a0\ub300\uac00 \uacb0\uad6d\uc5d4 \ud070 \ub098\ubb34\ub85c \uc790\ub77c\ub4ef\uc774, \uc0ac\ud68c \ucd08\ub144\uc0dd\ubd80\ud130 \ub2e4\uc838\ub193\ub294 \uc7ac\ubb34 \uad00\ub9ac \uc5ed\ub7c9\uc774 \ubbf8\ub798\uc758 \ucee4\ub2e4\ub780 \uc790\uc0b0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"3-%ed%88%ac%ec%9e%90-%ea%b8%b0%ec%b4%88-%eb%b0%8f-%ec%b5%9c%ea%b7%bc-%eb%8f%99%ed%96%a5-inCzhtBwOx\">3. \ud22c\uc790 \uae30\ucd08 \ubc0f \ucd5c\uadfc \ub3d9\ud5a5<\/h2>\n<p>\ud22c\uc790\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \uc788\uc5b4 \uc808\ub300 \ube7c\ub193\uc744 \uc218 \uc5c6\ub294 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uc6d4\uc5d0 \uba87 \ub9cc \uc6d0\uc529 \uc800\ucd95\ub9cc \ud558\ub294 \uac83\uc73c\ub85c\ub294 \uc778\ud50c\ub808\uc774\uc158\uc744 \uadf9\ubcf5\ud558\uae30 \uc5b4\ub835\uace0, \uc2dc\uac04\uc758 \ud750\ub984\uc5d0 \ub530\ub77c \uc790\uc0b0 \uac00\uce58\ub97c \uafb8\uc900\ud788 \ub192\uc5ec\uc57c\ub9cc \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub9c9\uc0c1 \ud22c\uc790\ub97c \uc2dc\uc791\ud558\ub824 \ud558\uba74 \uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc, ETF, \ubd80\ub3d9\uc0b0, \uac00\uc0c1\ud654\ud3d0 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc774 \uc874\uc7ac\ud574 \ubb34\uc5c7\ubd80\ud130 \uc5b4\ub5bb\uac8c \uc811\uadfc\ud574\uc57c \ud560\uc9c0 \ub9c9\ub9c9\ud574\uc9d1\ub2c8\ub2e4. \ub530\ub77c\uc11c \uba3c\uc800 \uc804\uccb4 \uc2dc\uc7a5\uc758 \ud750\ub984\uacfc \uae30\ubcf8 \uc6d0\ub9ac\ub97c \ud30c\uc545\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uac00\uc7a5 \uae30\ucd08\uc801\uc778 \ud22c\uc790 \uc6d0\ub9ac\ub294 \u2018\ubd84\uc0b0 \ud22c\uc790\u2019\uc785\ub2c8\ub2e4. \ud55c \uac00\uc9c0 \uc790\uc0b0 \ud639\uc740 \ud55c \uc885\ubaa9\uc5d0\ub9cc \uc62c\uc778\ud558\ub294 \uac83\uc740 \uc704\ud5d8\ub3c4\uac00 \ub9e4\uc6b0 \ub192\uae30 \ub54c\ubb38\uc774\uc8e0. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd 1~2\uc885\ubaa9\uc5d0 \ubaa8\ub4e0 \uc5ec\uc720\uc790\uae08\uc744 \ub123\ub294\ub2e4\uba74 \ud574\ub2f9 \uae30\uc5c5\uc758 \uc8fc\uac00 \ubcc0\ub3d9\uc5d0 \ub530\ub77c \uc790\uc0b0 \uac00\uce58\uac00 \uc2ec\uac01\ud558\uac8c \ucd9c\ub801\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c \uc5ec\ub7ec \uc885\ub958\uc758 \uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc, \uc2ec\uc9c0\uc5b4 \uc678\ud658\uc774\ub098 \ub300\uccb4\uc790\uc0b0\uae4c\uc9c0 \uc801\uc808\ud788 \ubd84\uc0b0\ud574 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\uba74, \ud2b9\uc815 \uc2dc\uc7a5\uc774 \uce68\uccb4\ub418\uc5b4\ub3c4 \uc804\uccb4 \uc790\uc0b0\uc758 \ud0c0\uaca9\uc774 \uc644\ud654\ub429\ub2c8\ub2e4. \ud22c\uc790 \ucd08\ubcf4\uc790\ub294 \uc6b0\uc120 \uc6b0\ub7c9 \ud68c\uc0ac\uc758 \uc8fc\uc2dd\uc774\ub098 \uc778\ub371\uc2a4 \ud380\ub4dc, \ucc44\uad8c\ud615 \ud380\ub4dc \ub4f1 \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc0c1\ud488\ubd80\ud130 \uc18c\uc561\uc73c\ub85c \ubd84\uc0b0 \ud22c\uc790\ub97c \uc2dc\ub3c4\ud574\ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \ud22c\uc790 \ub3d9\ud5a5\uc744 \uc0b4\ud3b4\ubcf4\uba74, \uae08\ub9ac \uc778\uc0c1\uacfc \uacbd\uae30 \ubd88\ud655\uc2e4\uc131\uc73c\ub85c \uc778\ud574 \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc774 \ucee4\uc84c\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5 \uc5ed\uc2dc \uacfc\uac70\ubcf4\ub2e4 \uc0c1\uc2b9\uc138\uac00 \ub454\ud654\ub418\ub294 \uc591\uc0c1\uc744 \ubcf4\uc774\uba74\uc11c, \u2018\ud070\ub3c8\uc744 \ubc8c\uaca0\ub2e4\u2019\ub294 \uae30\ub300\uac10\ub9cc\uc73c\ub85c \uc9c4\uc785\ud558\uae30\uc5d0\ub294 \uc704\ud5d8 \uc694\uc18c\uac00 \uc801\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \uc774\ub7f0 \uc0ac\uc774\ud074\uc744 \uc5ed\uc73c\ub85c \ud65c\uc6a9\ud574, \ubbf8\ub798\uac00\uce58\uac00 \ub192\ub2e4\uace0 \ud310\ub2e8\ub418\ub294 \uc885\ubaa9\uc774\ub098 \uc9c0\uc5ed\uc5d0 \uc7a5\uae30 \ud22c\uc790\ud558\ub294 \uc804\ub7b5\ub3c4 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 2023\ub144 \uae30\uc900 \uae00\ub85c\ubc8c \uacbd\uc81c \uc9c0\ud45c\ub294 \ub2e4\uc591\ud55c \ubc29\ud5a5\uc73c\ub85c \uc804\uac1c\ub418\uace0 \uc788\ub294\ub370, \ubbf8\uad6d\uc758 \uacc4\uc18d\ub418\ub294 \uae08\ub9ac \uc870\uc815, \uae30\uc220\uc8fc\ub4e4\uc758 \ubcc0\ub3d9\uc131 \ud655\ub300, \uad6d\ub0b4 \ubd80\ub3d9\uc0b0 \uaddc\uc81c \uc815\ucc45 \ubcc0\ud654 \ub4f1\uc774 \uc885\ud569\uc801\uc73c\ub85c \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc8e0.<\/p>\n<p>\uac00\uc0c1\ud654\ud3d0\ub098 NFT(\ub300\uccb4 \ubd88\uac00\ub2a5 \ud1a0\ud070) \ub4f1 \uc2e0\uc0dd \uc790\uc0b0\uad70\ub3c4 \uc8fc\ubaa9\uc744 \ubc1b\uace0 \uc788\uc9c0\ub9cc, \uc774\ub4e4\uc740 \ub192\uc740 \ubcc0\ub3d9\uc131\uacfc \uaddc\uc81c \ub9ac\uc2a4\ud06c\ub97c \ub3d9\ubc18\ud558\ubbc0\ub85c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \ubb34\ub9ac\ud558\uac8c \ud22c\uc790\ud558\ub294 \uac83\uc740 \uc2e0\uc911\ud574\uc57c \ud569\ub2c8\ub2e4. \uc801\uc740 \uae08\uc561\uc73c\ub85c \u2018\ud559\uc2b5 \ucc28\uc6d0\u2019\uc5d0\uc11c \uacbd\ud5d8\uc744 \uc313\ub294 \uac74 \uc88b\uc9c0\ub9cc, \uc804 \uc7ac\uc0b0\uc744 \ubca0\ud305\ud558\uac70\ub098 \ub300\ucd9c \uc790\uae08\uc744 \ud22c\uc785\ud558\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc704\ud5d8\ud569\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \uac01\uad6d \uc815\ubd80\uc758 \uaddc\uc81c \uac15\ud654 \uc815\ucc45\uc774 \uc774\uc5b4\uc9c0\uace0 \uc788\uc5b4 \uc2dc\uc7a5 \ubcc0\ub3d9 \ud3ed\uc774 \ub354 \ud074 \uac00\ub2a5\uc131\uc774 \uc874\uc7ac\ud558\ubbc0\ub85c, \ud22c\uc790 \ucd08\ubcf4\uc790\ub77c\uba74 \ubd84\uc0b0 \ud22c\uc790\uc640 \ud568\uaed8 \uc548\uc804\ub9c8\uc9c4(\uc790\uc2e0\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc190\uc2e4 \ubc94\uc704)\uc744 \uace0\ub824\ud55c \uc811\uadfc\uc774 \ud544\uc218\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc2dd \ud22c\uc790\ub85c \ud55c\uc815 \uc9c0\uc5c8\uc744 \ub54c\ub294 \uae30\uc5c5\uc758 \ud380\ub354\uba58\ud138(\uc7ac\ubb34\uc0c1\ud0dc, \uc5c5\uacc4 \uc804\ub9dd, \ub9e4\ucd9c \uad6c\uc870 \ub4f1)\uc744 \uae4a\uc774 \uc0b4\ud3b4\ubcf4\ub294 \uae30\ubcf8\uc801 \ubd84\uc11d\uacfc, \uc8fc\uac00 \ucc28\ud2b8\ub098 \ucd94\uc138\uc120\uc744 \ud65c\uc6a9\ud558\ub294 \uae30\uc220\uc801 \ubd84\uc11d\uc774 \ub300\ud45c\uc801\uc778 \uc811\uadfc \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc778\ud130\ub137\uc774\ub098 \ubaa8\ubc14\uc77c \uc99d\uad8c\uc571\uc744 \ud1b5\ud574 \uac01 \uae30\uc5c5\uc758 \uc7ac\ubb34\uc81c\ud45c, \ub274\uc2a4, \uc804\ubb38\uac00 \ub9ac\ud3ec\ud2b8\ub97c \uc27d\uac8c \uc811\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc2dc\uac04\uacfc \ub178\ub825\uc744 \ub4e4\uc5ec \uafb8\uc900\ud788 \ud559\uc2b5\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c, ETF(\uc0c1\uc7a5\uc9c0\uc218\ud380\ub4dc) \uac19\uc740 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uba74 \uac1c\ubcc4 \uc885\ubaa9 \uc120\ud0dd \ubd80\ub2f4\uc744 \ud06c\uac8c \uc904\uc774\uba74\uc11c\ub3c4 \ud2b9\uc815 \uc9c0\uc218\ub098 \uc139\ud130\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\uc5b4, \ud22c\uc790 \ubd84\uc0b0 \ud6a8\uacfc\ub97c \uc5bb\ub294 \ub370 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\ucc44\uad8c\uc740 \uc8fc\uc2dd\uc5d0 \ube44\ud574 \ubcc0\ub3d9\uc131\uc774 \ub0ae\uc544 \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc804\uc790\uc0b0\uc73c\ub85c \ubd84\ub958\ub418\uc9c0\ub9cc, \uae08\ub9ac \ud658\uacbd\uc774\ub098 \ubc1c\ud589 \uae30\uad00\uc758 \uc2e0\uc6a9\ub3c4\uc5d0 \ub530\ub77c \uc608\uce21\ud558\uc9c0 \ubabb\ud55c \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uae08\ub9ac\uac00 \uc0c1\uc2b9 \uad6d\uba74\uc5d0 \uc788\uc73c\uba74 \uae30\uc874 \ucc44\uad8c\uc758 \uac00\uaca9\uc774 \ud558\ub77d\ud558\ub294 \ud604\uc0c1\uc774 \ub098\ud0c0\ub098\ubbc0\ub85c, \uc2dc\uc7a5 \uae08\ub9ac \ub3d9\ud5a5\uacfc \ud568\uaed8 \ub9cc\uae30\uad6c\uc870, \uc774\uc790\uc728 \ub4f1\uc744 \uaf3c\uaf3c\ud788 \ub530\uc838\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc544\uc8fc \ud070 \uc790\uae08\uc744 \ucc44\uad8c\uc5d0\ub9cc \ubb36\uae30\ubcf4\ub2e4\ub294, \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc744 \uc801\uc808\ud788 \uc11e\uc5b4 \uc548\uc815\uc131\uacfc \uc218\uc775\ub960 \uc0ac\uc774\uc5d0\uc11c \uade0\ud615\uc744 \ub9de\ucd94\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ubc16\uc5d0\ub3c4 \ub2e4\uc591\ud55c \ud22c\uc790 \uc218\ub2e8\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 P2P \ub300\ucd9c \ud22c\uc790\ub294 \uae08\uc735\uae30\uad00\uc744 \uac70\uce58\uc9c0 \uc54a\uace0 \uac1c\uc778\uc5d0\uac8c \uc9c1\uc811 \ud22c\uc790\ud574 \uc774\uc790\ub97c \ubc1b\ub294 \ubc29\uc2dd\uc774\uba70, \ubd80\ub3d9\uc0b0 \uc18c\uc561 \ud22c\uc790\ub098 REITs(\ubd80\ub3d9\uc0b0\ud22c\uc790\uc2e0\ud0c1)\ub97c \ud1b5\ud574 \uc18c\uc561\uc73c\ub85c\ub3c4 \uac74\ubb3c\uacfc \ub545 \ub4f1 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc5d0 \uac04\uc811 \uc9c4\uc785\ud558\ub294 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \ud06c\ub77c\uc6b0\ub4dc \ud380\ub529 \ud50c\ub7ab\ud3fc\ub3c4 \ud65c\uc131\ud654\ub418\uc5b4 \ucc3d\uc5c5 \uae30\uc5c5 \ub610\ub294 \ubb38\ud654\ucf58\ud150\uce20 \ub4f1\uc5d0 \ud22c\uc790\ud558\uace0 \uc9c0\ubd84\uc744 \ud655\ubcf4\ud558\ub294 \ubaa8\ub378\ub3c4 \ubd80\uc0c1 \uc911\uc785\ub2c8\ub2e4. \uac01 \ubc29\uc2dd\ub9c8\ub2e4 \uc704\ud5d8\ub3c4\uc640 \uc218\uc775 \uad6c\uc870\uac00 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0, \ubc18\ub4dc\uc2dc \uacf5\ubd80\uc640 \ubd84\uc11d\uc744 \uac70\uccd0 \uc2e0\uc911\ud558\uac8c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\uc5d0 \uc788\uc5b4 \uc911\uc694\ud55c \uac83\uc740 \ub2e8\uc21c\ud788 \u2018\ub3c8\uc744 \ubd88\ub9b0\ub2e4\u2019\ub294 \ubaa9\ud45c\ub97c \ub118\uc5b4, \uc790\uc2e0\ub9cc\uc758 \ubd84\uba85\ud55c \ud22c\uc790 \ucca0\ud559\uacfc \uc804\ub7b5\uc744 \uac16\ucd94\ub294 \uac83\uc785\ub2c8\ub2e4. \uc6cc\ub80c \ubc84\ud54f \uac19\uc740 \ud22c\uc790 \ub300\uac00\ub4e4\uc758 \uc131\uacf5 \uc0ac\ub840\ub97c \ubcf4\uba74, \ucca0\uc800\ud55c \uae30\uc5c5 \ubd84\uc11d\uacfc \uc7a5\uae30 \ubcf4\uc720 \uc804\ub7b5, \uadf8\ub9ac\uace0 \uc2dc\uc7a5\uc758 \ub2e8\uae30 \ubcc0\ub3d9\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub294 \uc6d0\uce59\uc774 \ub3cb\ubcf4\uc785\ub2c8\ub2e4. \uc774\ub7f0 \uc0ac\ub840\ub4e4\uc5d0\uc11c \uad50\ud6c8\uc744 \uc5bb\ub418, \uadf8\ub300\ub85c \ubcf5\uc0ac\ud558\ub4ef \ud22c\uc790\ud558\uae30\ubcf4\ub2e4\ub294 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669, \uc131\ud5a5, \ubaa9\ud45c\uc5d0 \ub9de\ucdb0 \ubcc0\ud615 \uc801\uc6a9\ud558\ub294 \uc720\uc5f0\ud568\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uc801\uadf9\uc801\uc778 \ud22c\uc790\uc790\ub77c\uba74, \uae30\uc5c5\uc758 ESG(\ud658\uacbd\u00b7\uc0ac\ud68c\u00b7\uc9c0\ubc30\uad6c\uc870) \uc9c0\ud45c\ub098, \uc0b0\uc5c5\ubcc4 \ubbf8\ub798 \uac00\uce58\ub97c \ubc18\uc601\ud55c \uc9c0\uc18d\uac00\ub2a5 \ud22c\uc790 \ud2b8\ub80c\ub4dc\uc5d0\ub3c4 \uc8fc\ubaa9\ud574\ubcfc \ub9cc\ud569\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \uae30\ud6c4 \ubcc0\ud654 \ub300\uc751, \uc7ac\uc0dd\uc5d0\ub108\uc9c0 \uae30\uc5c5, AI \uad00\ub828 \uae30\uc220, \ubc14\uc774\uc624 \ud5ec\uc2a4\ucf00\uc5b4 \ub4f1 \uc5ec\ub7ec \ubbf8\ub798\uc0b0\uc5c5 \uc601\uc5ed\uc774 \uae09\ubd80\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \u2018\uc720\ud589 \uc139\ud130\u2019\ub77c\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \ucad3\uc544\uac00\uae30\ubcf4\ub2e4\ub294, \uad00\ub828 \uc2dc\uc7a5\uc758 \uc804\ub9dd\uacfc \uae30\uc5c5\uc758 \uacbd\uc7c1\ub825, \uae00\ub85c\ubc8c \uc815\ucc45 \ub4f1\uc744 \ub2e4\uac01\ub3c4\ub85c \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \ucd08\ubcf4\ub4e4\uc740 \ud06c\uace0 \uc791\uc740 \uc2dc\ud589\ucc29\uc624\ub97c \uacaa\uc744 \uc218\ubc16\uc5d0 \uc5c6\uc9c0\ub9cc, \uc774\ub97c \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud55c \ud55c \uac00\uc9c0 \ud301\uc740 \uac00\uc0c1\uc758 \u2018\ubaa8\uc758\ud22c\uc790\u2019\ub098, \uc18c\uc561\uc73c\ub85c \uc2e4\uc81c \ub9e4\ub9e4\ub97c \ud574\ubcf4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc99d\uad8c\uc0ac \uc571\ub4e4\uc740 \ubbf8\ub2c8\ud22c\uc790\ub098 \uac00\uc0c1\ud22c\uc790 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\uae30\ub3c4 \ud558\uba70, \uc774 \ubc29\ubc95\uc73c\ub85c \uc2e4\uc804 \ub290\ub08c\uc744 \ud14c\uc2a4\ud2b8\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc190\uc775\uc744 \uccb4\uac10\ud558\uba74\uc11c \uc2dc\uc7a5\uc758 \ud750\ub984\uc744 \uacf5\ubd80\ud558\ub2e4 \ubcf4\uba74, \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc790\uc2e0\ub9cc\uc758 \ub9e4\ub9e4 \uc6d0\uce59\uc774 \uc0dd\uae30\uae30 \ub9c8\ub828\uc785\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \ub9e4\uc218\u00b7\ub9e4\ub3c4 \uc2dc\uc810\uc744 \ud310\ub2e8\ud560 \uc218 \uc788\ub294 \uae30\uc220\uc801 \ubd84\uc11d \ubc29\ubc95 \ub4f1\uc744 \ubc30\uc6b8 \uae30\ud68c\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ubb34\uc5c7\ubcf4\ub2e4 \ud22c\uc790 \uc131\uacfc\ub97c \ub2e8\uae30\uc801\uc73c\ub85c\ub9cc \ud3c9\uac00\ud558\uae30\ubcf4\ub2e4\ub294, \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uc11c\uc11c\ud788 \uc790\uc0b0\uc774 \ub298\uc5b4\ub098\ub294 \uadf8\ub9bc\uc744 \uadf8\ub9ac\ub294 \uac83\uc774 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c\ub294 \ud604\uba85\ud569\ub2c8\ub2e4. \uc9c0\ub098\uce5c \ub808\ubc84\ub9ac\uc9c0(\ub300\ucd9c)\ub97c \ud65c\uc6a9\ud558\uac70\ub098, \uace0\uc704\ud5d8 \uc790\uc0b0\uc5d0 \u2018\ubab0\ube75\u2019 \ud22c\uc790\ud558\uc5ec \ud070 \uc190\uc2e4\uc744 \uc785\uc73c\uba74 \ud68c\ubcf5\uae4c\uc9c0 \uc624\ub79c \uc2dc\uac04\uc774 \uac78\ub9b4 \uc218 \uc788\uc73c\ubbc0\ub85c \uc8fc\uc758\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ub54c\ub85c\ub294 \uc7a5\uae30\uac04 \uc2dc\uc7a5\uc5d0\uc11c \uc0b4\uc544\ub0a8\ub294 \ub2a5\ub825\uc774 \ub354 \ud070 \uc218\uc775\uc744 \ucc3d\ucd9c\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ub300\ub0b4\uc678 \uacbd\uc81c \ub274\uc2a4\uc640 \ub3d9\ud5a5\uc744 \uafb8\uc900\ud788 \uc0b4\ud53c\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\uc778\uc0c1, \ud658\uc728, \uc18c\ube44\uc790\ubb3c\uac00\uc9c0\uc218, \uace0\uc6a9\uc9c0\ud45c, \uac01\uc885 \uc9c0\ud45c \ubc1c\ud45c \ub4f1\uc774 \uc8fc\uac00\uc640 \ucc44\uad8c \uae08\ub9ac\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc740 \ub9e4\uc6b0 \ubcf5\ud569\uc801\uc785\ub2c8\ub2e4. \uc2e0\ubb38, \uacbd\uc81c \ubbf8\ub514\uc5b4, \uc720\ud29c\ube0c \ucc44\ub110, \uae08\uc735 \uad00\ub828 \uc571 \ub4f1\uc744 \ud1b5\ud574 \ud558\ub8e8 10\ubd84\uc774\ub77c\ub3c4 \uacbd\uc81c \uad00\ub828 \uc18c\uc2dd\uc744 \uc811\ud558\uba74, \ud22c\uc790 \uae30\ud68c\ub098 \uc704\ud5d8 \uc2e0\ud638\ub97c \uc870\uae08 \ub354 \ube60\ub974\uac8c \uac10\uc9c0\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \u2018\ub0a8\ub4e4\uc774 \uc88b\ub2e4\ub2c8\uae4c\u2019\uac00 \uc544\ub2c8\ub77c, \uc2a4\uc2a4\ub85c \uc2dc\uc7a5\uc744 \ubd84\uc11d\ud558\uace0 \ud310\ub2e8\ud558\ub294 \ub2a5\ub825\uc744 \ud0a4\uc6b0\ub294 \uac83\uc774 \uc9c4\uc815\ud55c \ud22c\uc790\uc790\uc758 \uae38\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \ud22c\uc790 \uc138\uacc4\ub294 \uad11\ubc94\uc704\ud558\uace0 \ubcf5\uc7a1\ud558\uae30 \ub54c\ubb38\uc5d0, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \ud55c\uaebc\ubc88\uc5d0 \ubaa8\ub4e0 \uac83\uc744 \uc774\ud574\ud558\uae30\ub294 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uafb8\uc900\ud55c \ud559\uc2b5\uacfc \uc18c\uc561\ubd80\ud130\uc758 \uccb4\ud5d8\uc744 \ud1b5\ud574 \uc810\ucc28 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \ud22c\uc790 \uc2a4\ud0c0\uc77c\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc774\ub7f0 \ud22c\uc790 \ub178\ub825\uacfc \ud568\uaed8, \uc7a5\uae30\uc801\uc73c\ub85c \uc790\uae30 \uc790\uc2e0\uc744 \uc131\uc7a5\uc2dc\ud0a4\ub294 \ubc29\ubc95, \uc989 \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uacfc \uc790\uae30\uacc4\ubc1c\uc5d0 \ub300\ud574 \uc774\uc57c\uae30\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uad81\uadf9\uc801\uc73c\ub85c\ub294 \ud22c\uc790\uc640 \uc790\uae30\uacc4\ubc1c\uc774 \uc11c\ub85c \uc0c1\uc2b9\ud6a8\uacfc\ub97c \ub0b4\uc5b4 \uacbd\uc81c\uc801 \uc790\uc720\ub97c \uc55e\ub2f9\uae38 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\ub294 \ubb34\uc870\uac74\uc801\uc778 \ucd95\uc801\uc774 \uc544\ub2cc, \uc778\uc0dd \uc804\ubc18\uc744 \ud48d\uc694\ub86d\uac8c \uac00\uafb8\uae30 \uc704\ud55c \uc218\ub2e8\uc774\uc5b4\uc57c \ud568\uc744 \uac70\ub4ed \uac15\uc870\ud558\uace0 \uc2f6\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \u2018\uc65c \ud22c\uc790\ud558\uace0 \uc2f6\uc740\uc9c0\u2019\ubd80\ud130 \uc790\uc2e0\uc5d0\uac8c \uc9c8\ubb38\ud574 \ubcf4\uace0, \uadf8 \ub2f5\uc744 \uba85\ud655\ud788 \ud558\ub294 \uacfc\uc815\uc744 \uac70\uccd0 \ud22c\uc790\uc5d0 \uc785\ubb38\ud55c\ub2e4\uba74 \ud55c\uce35 \ub354 \uac74\uac15\ud55c \uc7ac\ubb34 \uc2b5\uad00\uc744 \ud615\uc131\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"4-%ec%a7%80%ec%86%8d-%ea%b0%80%eb%8a%a5%ed%95%9c-%ec%84%b1%ec%9e%a5%ea%b3%bc-%ec%9e%90%ea%b8%b0%ea%b3%84%eb%b0%9c-inCzhtBwOx\">4. \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uacfc \uc790\uae30\uacc4\ubc1c<\/h2>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ucd94\uad6c\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \ub193\uce58\uc9c0 \ub9d0\uc544\uc57c \ud560 \uac83\uc740, \uae08\uc735 \uc9c0\uc2dd\uacfc \ub354\ubd88\uc5b4 \uac1c\uc778 \uc5ed\ub7c9\uc744 \ub3d9\uc2dc\uc5d0 \ud0a4\uc6cc\ub098\uac00\ub294 \uc77c\uc785\ub2c8\ub2e4. \ub3c8\uc744 \ubc84\ub294 \ub2a5\ub825\ub9cc \ud5a5\uc0c1\uc2dc\ud0a4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc804\ubc18\uc801\uc778 \uc790\uae30\uacc4\ubc1c\u2014\uc9c1\ubb34 \ub2a5\ub825, \uc778\uac04\uad00\uacc4, \ud5ec\uc2a4 \uad00\ub9ac, \uc2ec\ub9ac\uc801 \uc548\uc815 \ub4f1\u2014\uc744 \ubcd1\ud589\ud568\uc73c\ub85c\uc368 \ub354 \ud070 \uae30\ud68c\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd\uc774 \ub298\uace0, \ud22c\uc790\uac00 \uc131\uacf5\uc801\uc73c\ub85c \uc774\ub904\uc9c4\ub2e4 \ud558\ub354\ub77c\ub3c4 \uc790\uae30 \uc790\uc2e0\uc774 \uc131\uc7a5\ud558\uc9c0 \ubabb\ud55c\ub2e4\uba74 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uc9c4\uc815\ud55c \uc790\uc720\ub97c \uc5bb\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc6b0\uc120, \uc9c1\ubb34 \uc5ed\ub7c9 \uac15\ud654\uac00 \ud575\uc2ec \uacfc\uc81c\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc544\uc9c1 \uacbd\ub825\uc774 \uc595\uc73c\ubbc0\ub85c, \uc5c5\ubb34 \uc131\uacfc\ub97c \ud1b5\ud574 \uc2a4\uc2a4\ub85c\uc758 \uac00\uce58\ub97c \uc785\uc99d\ud558\uace0 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uacbd\uc7c1\ub825\uc744 \ud0a4\uc6cc\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uafb8\uc900\ud55c \ud559\uc2b5\uacfc \uc804\ubb38\uc131 \ud5a5\uc0c1 \ub178\ub825\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 IT \ubd84\uc57c\uc5d0\uc11c \uc77c\ud55c\ub2e4\uba74 \ud504\ub85c\uadf8\ub798\ubc0d, \ub370\uc774\ud130 \ubd84\uc11d, \uc778\uacf5\uc9c0\ub2a5 \ub4f1 \ucd5c\uc2e0 \uae30\uc220 \ud2b8\ub80c\ub4dc\ub97c \ub530\ub77c\uac00\uace0, \uc790\uaca9\uc99d\uc744 \ucde8\ub4dd\ud558\uac70\ub098 \uc628\ub77c\uc778 \uac15\uc758\ub97c \ud1b5\ud574 \uc804\ubb38 \uc9c0\uc2dd\uc744 \uc313\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacfc\uc815\uc5d0\uc11c \ud68c\uc0ac \ub0b4\uc5d0\uc11c\uc758 \ud3c9\uac00\ub3c4 \ub192\uc544\uc9c8 \ubfd0 \uc544\ub2c8\ub77c, \ud5a5\ud6c4 \uc774\uc9c1\uc774\ub098 \ud504\ub9ac\ub79c\uc11c\ub85c \ub3c5\ub9bd\ud560 \ub54c\uc5d0\ub3c4 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc790\uae30\uacc4\ubc1c\uc740 \uc9c1\ubb34 \uae30\uc220\uc5d0 \uad6d\ud55c\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub300\uc778\uad00\uacc4 \ub2a5\ub825, \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \uc2a4\ud0ac, \ud300\uc6cc\ud06c, \ub9ac\ub354\uc2ed \ub4f1 \u2018\uc18c\ud504\ud2b8 \uc2a4\ud0ac\u2019 \uc5ed\uc2dc \uc5c5\ubb34 \ud6a8\uc728\ud654\uc640 \uc778\ub9e5 \uad6c\ucd95\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc774\ub97c \ub2e8\uc21c\ud788 \u2018\uc7ac\ub2a5\u2019\uc774\ub77c\uace0 \uce58\ubd80\ud558\uae30\ubcf4\ub2e4\ub294, \ucc45\uc744 \uc77d\uace0, \uc138\ubbf8\ub098\uc640 \uc6cc\ud06c\uc20d\uc5d0 \ucc38\uac00\ud558\uba70, \uc0ac\ud68c \ucd08\ub144\uc0dd \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c \uc801\uadf9\uc801\uc73c\ub85c \uad50\ub958\ud558\uba74\uc11c \uc810\uc9c4\uc801\uc73c\ub85c \uac1c\ubc1c\ud574\ub098\uac08 \uc218 \uc788\ub2e4\uace0 \ubd10\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c, \uc694\uc998\uc740 \uc0ac\ub0b4 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc774\ub098 \uba58\ud1a0\ub9c1 \uc2dc\uc2a4\ud15c\uc744 \uc798 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc774\uc8e0.<\/p>\n<p>\uac74\uac15 \uad00\ub9ac\uc640 \uc2a4\ud2b8\ub808\uc2a4 \ub300\uc751 \ub2a5\ub825\ub3c4 \uac04\uacfc\ud560 \uc218 \uc5c6\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4. \uc7a6\uc740 \uc57c\uadfc\uc774\ub098 \uacfc\ub3c4\ud55c \uc5c5\ubb34 \ubd80\ub2f4\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc790\uae30 \uc790\uc2e0\uc744 \ub3cc\ubcf4\uc9c0 \uc54a\uc73c\uba74, \uae08\ubc29 \uc18c\uc9c4\ub418\uc5b4 \ubc84\ub9bd\ub2c8\ub2e4. \uac74\uac15\uc744 \ud574\uce58\uba74 \uc758\ub8cc\ube44 \uc9c0\ucd9c\uc774 \uc99d\uac00\ud560 \ubfd0 \uc544\ub2c8\ub77c, \uadfc\ub85c \uc18c\ub4dd\uc744 \ucc3d\ucd9c\ud558\ub294 \ub2a5\ub825 \uc790\uccb4\uac00 \ub5a8\uc5b4\uc9c0\uac8c \ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \uaddc\uce59\uc801\uc778 \uc6b4\ub3d9, \uc2dd\uc2b5\uad00 \uac1c\uc120, \uc2ec\ub9ac \uc0c1\ub2f4 \ub4f1\uc744 \ud1b5\ud574 \ubab8\uacfc \ub9c8\uc74c\uc758 \ubc38\ub7f0\uc2a4\ub97c \uc720\uc9c0\ud558\ub3c4\ub85d \ub178\ub825\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \ucd94\uac00\uc801 \uc9c0\ucd9c\uc774 \ud544\uc694\ud560 \uc218\ub3c4 \uc788\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc73c\ub85c \ubcf8\ub2e4\uba74 \uc774 \uc9c0\ucd9c\uc740 \ube44\uc6a9\uc774 \uc544\ub2cc \ud22c\uc790\ub098 \ub2e4\ub984\uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ub113\uc740 \uad00\uc810\uc5d0\uc11c\uc758 \uc790\uae30\uacc4\ubc1c\uc740 \ub2e4\uc591\ud55c \uc778\uac04\uad00\uacc4\uc640 \ucde8\ubbf8, \uacbd\ud5d8\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc5ec\ud589\uc744 \ud1b5\ud574 \uacac\ubb38\uc744 \ub113\ud788\uace0, \ub2e4\uc591\ud55c \ubd84\uc57c\uc758 \uc0ac\ub78c\ub4e4\uacfc \uc18c\ud1b5\ud558\uba74\uc11c \uc778\uc0ac\uc774\ud2b8\ub97c \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud639\uc740 \ubd09\uc0ac\ud65c\ub3d9, \ub3d9\ud638\ud68c \ucc38\uc5ec\ub97c \ud1b5\ud574 \uc0ac\ud68c\uc801 \uac00\uce58\ub97c \uc2e4\ud604\ud558\uba74\uc11c \ub3d9\uc2dc\uc5d0 \uc790\uc2e0\uc758 \uc778\uc0dd\uc744 \ud48d\uc694\ub86d\uac8c \ub9cc\ub4e4 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacbd\ud5d8\ub4e4\uc740 \ub2f9\uc7a5 \uae08\uc804\uc801 \uc774\uc775\uacfc \uc9c1\uacb0\ub418\uc9c0 \uc54a\ub354\ub77c\ub3c4, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc778\uc131\uacfc \uac1c\uc778 \uc5ed\ub7c9\uc744 \ud06c\uac8c \uc131\uc7a5\uc2dc\ud0a4\uace0, \ub354 \ub113\uc740 \uc138\uc0c1\uc744 \ubcf4\ub294 \ub208\uc744 \uac16\uac8c \ud574\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc790\uae30\uacc4\ubc1c\uc744 \uc704\ud55c \uc7ac\ubb34 \uc804\ub7b5\ub3c4 \ub9c8\ub828\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc55e\uc120 \uc139\uc158\uc5d0\uc11c \uc5b8\uae09\ud588\ub358 \uc608\uc0b0 \ubd84\ubc30 \ubc29\uc2dd\uc5d0 \uc790\uae30\uacc4\ubc1c \ud56d\ubaa9\uc744 \ubc18\ub4dc\uc2dc \ub123\uc5b4\ub450\ub294 \uac83\uc785\ub2c8\ub2e4. \ub3c5\uc11c, \uc138\ubbf8\ub098, \uc628\ub77c\uc778 \uac15\uc758 \ub4f1 \uc9c0\uc2dd \uc2b5\ub4dd\ubfd0\ub9cc \uc544\ub2c8\ub77c, \ud5ec\uc2a4\uc7a5 \ud68c\uc6d0\uad8c, \ud06c\ub9ac\uc5d0\uc774\ud2f0\ube0c \ucde8\ubbf8 \ud65c\ub3d9 \ub4f1\uc5d0 \ub300\ud55c \uc608\uc0b0\ub3c4 \uc801\uc815 \uc218\uc900\uc73c\ub85c \ucc45\uc815\ud568\uc73c\ub85c\uc368 \uc2a4\uc2a4\ub85c\uc758 \uc131\uc7a5\uc5d0 \ud22c\uc790\ud558\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4. \uc774\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \ubcf4\uc558\uc744 \ub54c \uc218\uc785 \ucc3d\ucd9c \ub2a5\ub825\uc744 \ub192\uc5ec\uc8fc\uace0, \ub354 \ub9cc\uc871\uc2a4\ub7ec\uc6b4 \uc0b6\uc744 \uc601\uc704\ud558\uac8c \ub9cc\ub4e4\uc5b4 \uc5ec\ub7ec \ubaa8\ub85c \uac00\uce58\uac00 \ud07d\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub807\uac8c \uc790\uae30\uacc4\ubc1c\uc5d0 \ud22c\uc790\ud558\ub294 \uacfc\uc815\uc5d0\uc11c, \uacb0\uad6d \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \u2018\ub048\uae30\u2019\uc785\ub2c8\ub2e4. \ud55c\ub450 \ubc88\uc758 \uad50\uc721\uc774\ub098 \ud504\ub85c\uc81d\ud2b8 \uc131\uacf5\uc73c\ub85c \ud06c\uac8c \ubcc0\ud558\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc9c0\uc18d\uc801\uc73c\ub85c \ud559\uc2b5\ud558\uace0 \uacbd\ud5d8\uc744 \uc313\uc544\uac00\uba70, \uc2a4\uc2a4\ub85c\ub97c \ubc1c\uc804\uc2dc\ud0a4\ub294 \ub3d9\uc548 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uacbd\ub825 \uc0c1\uc2b9\ud6a8\uacfc\uac00 \ub098\ud0c0\ub0a9\ub2c8\ub2e4. \ub2a5\ub825\uc774 \ud5a5\uc0c1\ub418\uba74 \ub354 \uc88b\uc740 \uc790\ub9ac\ub85c \uc774\uc9c1\ud558\uac70\ub098, \ub3c5\ub9bd\ud574\uc11c \uc790\uc2e0\uc758 \ube0c\ub79c\ub4dc\ub97c \ub9cc\ub4e4\uc5b4\ub0bc \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uadf8 \uacb0\uacfc\ub85c \uc18c\ub4dd\uc6d0\uc774 \ub2e4\uc591\ud574\uc9c0\uace0, \uc774\ub97c \ud1b5\ud574 \uc7ac\ubb34\uc801\uc73c\ub85c \ub354 \ub192\uc740 \uc790\uc720\ub97c \ub204\ub9b4 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\u2018\uc131\uc7a5\uc5d0 \uad00\ud55c \ud22c\uc790\u2019\uac00 \uaf2d \ud559\uc2b5\uc774\ub098 \uc138\ubbf8\ub098 \ucc38\uc5ec\ub9cc\uc744 \uc758\ubbf8\ud558\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucde8\uc5c5 \ud6c4 \uba87 \ub144\uac04 \uc5f4\uc2ec\ud788 \uc77c\ud574\uc11c \ubaa8\uc740 \ub3c8\uc744 \ud65c\uc6a9\ud574 \ud574\uc678 \uc5b4\ud559\uc5f0\uc218\ub97c \ub2e4\ub140\uc624\ub294 \uac83\ub3c4 \uc88b\uc740 \uc0ac\ub840\uc785\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uc5b8\uc5b4 \ub2a5\ub825\uc744 \ub192\uc774\ub294 \uac83\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \ud574\uc678 \ubb38\ud654\ub97c \uccb4\ud5d8\ud558\uba74\uc11c \uc0c8\ub85c\uc6b4 \ub124\ud2b8\uc6cc\ud06c\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \uacbd\ud5d8\uc740 \ud6d7\ub0a0 \ucee4\ub9ac\uc5b4\uc640 \uc778\uac04\uad00\uacc4 \uce21\uba74\uc5d0\uc11c \ub300\ub2e8\ud788 \ud070 \uc790\uc0b0\uc774 \ub429\ub2c8\ub2e4. \uacb0\uad6d \uc790\uae30\uacc4\ubc1c\uc740 \uc790\uc2e0\uc774 \uc5b4\ub5a4 \uc0b6\uc758 \ubc29\ud5a5\uc131\uc744 \uac16\uace0 \uc788\ub294\uc9c0\ub97c \uba85\ud655\ud788 \ud55c \ub4a4, \uadf8 \ubaa9\ud45c\uc5d0 \ub9de\ucdb0 \uacc4\ud68d\uc801\uc73c\ub85c \uc2e4\ud589\ud558\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc790\uae30\uacc4\ubc1c \uacfc\uc815\uc5d0\uc11c \ub9cc\ub098\ub294 \uc2dc\ud589\ucc29\uc624\ub098 \uc2e4\ud328\ub294 \uc624\ud788\ub824 \uac12\uc9c4 \uc790\uc0b0\uc785\ub2c8\ub2e4. \ud504\ub85c\uc81d\ud2b8\uc5d0\uc11c \uc2e4\ud328\ub97c \uacbd\ud5d8\ud558\uac70\ub098, \uc2a4\ud399\uc744 \uc313\uc73c\ub824\uace0 \ub3c4\uc804\ud588\ub358 \uc2dc\ud5d8\uc5d0\uc11c \ub5a8\uc5b4\uc9c0\ub294 \ub4f1 \uc791\uc740 \uc88c\uc808\uc740 \ub204\uad6c\ub098 \uacaa\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \uc2e4\ud328 \uadf8 \uc790\uccb4\uac00 \uc544\ub2c8\ub77c, \uc2e4\ud328 \uc774\ud6c4\uc5d0 \uc5bb\uc740 \uad50\ud6c8\uc744 \ub2e4\uc74c \uae30\ud68c\uc5d0 \uc5b4\ub5bb\uac8c \uc801\uc6a9\ud558\ub290\ub0d0\uc785\ub2c8\ub2e4. \ucca0\uc800\ud55c \ubcf5\uae30\uc640 \uc790\uae30 \ubd84\uc11d\uc744 \ud1b5\ud574 \ubd80\uc871\ud588\ub358 \ubd80\ubd84\uc744 \ubcf4\uc644\ud558\uba74, \uc2e4\ud328\ub294 \ub2e8\uc9c0 \uacfc\uac70\uc758 \ud55c \uc7a5\uba74\uc774 \uc544\ub2c8\ub77c \ub354 \ub192\uc740 \uacf3\uc73c\ub85c \ub3c4\uc57d\ud558\uae30 \uc704\ud55c \ubc1c\ud310\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uacbd\uc81c\uc801 \uc790\uc720\uc640 \uc790\uae30\uacc4\ubc1c \uc0ac\uc774\uc5d0\uc11c \uc911\uc694\ud55c \uc5f0\uacb0\uace0\ub9ac\ub294 \u2018\uc2dc\uac04 \uc0ac\uc6a9\u2019\uc785\ub2c8\ub2e4. \uc790\uae30\uacc4\ubc1c\uc5d0 \uc2dc\uac04\uc744 \uc4f0\uae30 \uc704\ud574\uc11c\ub294 \uc5c5\ubb34\ub098 \ubd88\ud544\uc694\ud55c \uc18c\ube44\ud65c\ub3d9\uc744 \uc904\uc5ec\uc57c \ud560 \ub54c\ub3c4 \uc788\uace0, \ubc18\ub300\ub85c \ubc14\uc05c \uc77c\uc815 \uc18d\uc5d0\uc11c \uafb8\uc900\ud788 \ub178\ub825\ud558\uae30 \uc704\ud574\uc120 \uccb4\ub825\uacfc \uc9d1\uc911\ub825\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uacb0\uad6d \uc790\uae30\uad00\ub9ac \ub2a5\ub825\uc774 \uc81c\ub300\ub85c \ub4b7\ubc1b\uce68\ub418\uc5b4\uc57c\ub9cc \ud22c\uc790, \uc800\ucd95, \uadf8\ub9ac\uace0 \uac1c\uc778 \uc131\uc7a5 \ubaa8\ub450\ub97c \uc774\ub904\ub0bc \uc218 \uc788\uc8e0. \uc774\ub97c \uc704\ud574\uc11c\ub294 \uc77c\uacfc \uc0b6\uc758 \uade0\ud615, \uc989 \uc6cc\ub77c\ubc38(Work-Life Balance)\uc5d0 \ub300\ud55c \uc778\uc2dd\uacfc \uc2e4\ucc9c\uc774 \ud544\uc5f0\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc778\uc0dd\uc744 \uae38\uac8c \ubd24\uc744 \ub54c, \uc80a\uc740 \uc2dc\uc808\uc5d0\ub294 \ud2b9\uc815 \ubd84\uc57c\uc5d0 \uc9d1\uc911\uc801\uc73c\ub85c \uc2dc\uac04\uc744 \ud22c\uc790\ud574 \uc804\ubb38\uc131\uc744 \ub192\uc774\ub418, \uc5b4\ub290 \uc815\ub3c4 \uacbd\ub825\uc774 \uc313\uc774\uba74 \ub2e4\ub978 \uc601\uc5ed\uc73c\ub85c\ub3c4 \uc2dc\uc57c\ub97c \ub113\ud788\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ub108\ubb34 \uc77c\ucc0d\ubd80\ud130 \uc5ec\ub7ec \ubd84\uc57c\uc5d0 \uc190\uc744 \ub300\uba74 \uc560\ub9e4\ud574\uc9c8 \uc218 \uc788\uc73c\ub098, \uacbd\ub825\uc758 \uae30\ubcf8 \ud2c0\uc744 \ud655\ubcf4\ud55c \ud6c4\uc5d0\ub294 \uc735\ud569\uc801 \uc5ed\ub7c9\uc744 \ud0a4\uc6b0\ub294 \uac83\uc774 \uc624\ud788\ub824 \ud070 \uae30\ud68c\ub97c \ub9cc\ub4ed\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub514\uc790\uc774\ub108\uac00 \ud504\ub85c\uadf8\ub798\ubc0d \uc5b8\uc5b4\ub97c \ubc30\uc6b0\uac70\ub098, \uc5d4\uc9c0\ub2c8\uc5b4\uac00 \uc7ac\ubb34 \ud68c\uacc4\ub97c \uacf5\ubd80\ud558\ub294 \ub4f1 \uc790\uc2e0\uc758 \uc804\ubb38 \ubd84\uc57c\uc5d0 \ub610 \ub2e4\ub978 \uc5ed\ub7c9\uc744 \uc811\ubaa9\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\uacb0\uad6d \uc790\uae30\uacc4\ubc1c\uc5d0 \ub300\ud55c \ud22c\uc790\ub294 \uc7a5\uae30\uc801 \uc218\uc775\ub960\uc774 \ub9e4\uc6b0 \ub192\uc740 \u2018\ubb34\ud615 \uc790\uc0b0\u2019\uc5d0 \ub300\ud55c \ud22c\uc790\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd\uc774\ub098 \ubd80\ub3d9\uc0b0\uc740 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \uac00\uaca9\uc774 \ucd9c\ub801\uc77c \uc218 \uc788\uc9c0\ub9cc, \ud559\uc2b5\uacfc \uc5ed\ub7c9\uc740 \uc27d\uac8c \uc0ac\ub77c\uc9c0\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uac8c\ub2e4\uac00 \ud55c \ubc88 \uc313\uc740 \uc5ed\ub7c9\uc740 \uc0c8\ub85c\uc6b4 \uc9c1\uc5c5\uc801 \uae30\ud68c\ub098 \ucc3d\uc5c5, \ud504\ub9ac\ub79c\uc11c \ud65c\ub3d9 \ub4f1\uc5d0 \uace7\ubc14\ub85c \uc801\uc6a9 \uac00\ub2a5\ud558\uae30 \ub54c\ubb38\uc5d0, \uc2ec\ub9ac\uc801 \uc548\uc815\uc5d0\ub3c4 \ud070 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \ub9e4\uc6b0 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ubaa9\uc801\uc774 \ub418\uc8e0.<\/p>\n<p>\uc774\ucc98\ub7fc \ub3c8\uc744 \ubc84\ub294 \ubcf8\uc5c5\uacfc \ud22c\uc790, \uc790\uae30\uacc4\ubc1c\uc774 \uc120\uc21c\ud658\uc744 \uc774\ub8e8\uba74, \uad81\uadf9\uc801\uc73c\ub85c \ub354 \ub113\uc740 \uc758\ubbf8\uc758 \u2018\uacbd\uc81c\uc801 \uc790\uc720\u2019\uc5d0 \uac00\uae4c\uc6cc\uc9d1\ub2c8\ub2e4. \uc774\uc81c\uae4c\uc9c0 \ub2e4\ub8ec \ub0b4\uc6a9\ub4e4\uc744 \ubc14\ud0d5\uc73c\ub85c, \ub9c8\uc9c0\ub9c9\uc73c\ub85c \ud575\uc2ec \ud3ec\uc778\ud2b8\ub97c \ud558\ub098\ub85c \ubb36\ub294 \uac15\ub825\ud55c \uc694\uc57d\uc744 \ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uace0 \ud574\uc11c \uacbd\uc81c\uc801 \uc790\uc720\ub97c \uba40\uac8c\ub9cc \ub290\ub084 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \uc624\ud788\ub824 \uc80a\uc74c\uacfc \ubc30\uc6c0\uc758 \uae30\ud68c\uac00 \ud48d\ubd80\ud55c \uc774 \uc2dc\uc810\uc5d0, \uac00\uc7a5 \ube60\ub978 \uc18d\ub3c4\ub85c \uc7ac\ubb34\uc801\u00b7\uac1c\uc778\uc801 \uc131\uc7a5\uc744 \uc774\ub8f0 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc74c \u2018\uacb0\ub860\u2019 \uc139\uc158\uc5d0\uc11c\ub294 \uc9c0\uae08\uae4c\uc9c0 \ub2e4\ub8ec \uc18c\ub4dd \ud655\ubcf4, \uc9c0\ucd9c \uad00\ub9ac, \ud22c\uc790, \uc790\uae30\uacc4\ubc1c \uc804\ub7b5\uc744 \uc885\ud569\ud558\uc5ec, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \ud544\uc694\ud55c \uad6c\uccb4\uc801\uc778 \ub85c\ub4dc\ub9f5\uc744 \uc81c\uc2dc\ud574\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \uc774 \ubaa8\ub4e0 \uacfc\uc815\uc744 \u2018\ub0b4 \uc0b6\uc758 \uc8fc\ub3c4\uad8c\uc744 \ucc3e\ub294 \uac83\u2019\uc73c\ub85c \uc774\ud574\ud558\uace0, \ub9e4 \uc21c\uac04 \uc131\ucc30\uacfc \uc810\uac80\uc744 \ud1b5\ud574 \uc5c5\uadf8\ub808\uc774\ub4dc\ud574\ub098\uac00\ub294 \uc9c0\uc18d\uc801\uc778 \uc790\uc138\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ea%b2%b0%eb%a1%a0-%ea%b2%bd%ec%a0%9c%ec%a0%81-%ec%9e%90%ec%9c%a0%eb%a5%bc-%ed%96%a5%ed%95%9c-%ec%a2%85%ed%95%a9-%eb%a1%9c%eb%93%9c%eb%a7%b5-inCzhtBwOx\">\uacb0\ub860: \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ud5a5\ud55c \uc885\ud569 \ub85c\ub4dc\ub9f5<\/h2>\n<p>\uc9c0\uae08\uae4c\uc9c0 \uc6b0\ub9ac\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uacbd\uc81c\uc801 \uc790\uc720\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \uc54c\uc544\uc57c \ud560 \uc5ec\ub7ec \uac00\uc9c0 \uc694\uc18c\ub97c \uae4a\uc774 \uc788\uac8c \uc0b4\ud3b4\ubd24\uc2b5\ub2c8\ub2e4. \uccab \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uacbd\uc81c\uc801 \uc790\uc720\uc758 \uac1c\ub150\uacfc \uc911\uc694\uc131\uc744 \uc54c\uc544\ubd24\uace0, \uc774\uc5b4\uc11c \uc18c\ub4dd \ud655\ubcf4 \ubc0f \uc9c0\ucd9c \uad00\ub9ac \uc804\ub7b5, \uadf8\ub9ac\uace0 \ud22c\uc790 \uae30\ucd08\uc640 \ucd5c\uadfc \ub3d9\ud5a5, \ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uacfc \uc790\uae30\uacc4\ubc1c\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud588\uc2b5\ub2c8\ub2e4. \ubaa8\ub4e0 \uacfc\uc815\uc5d0\uc11c \ud575\uc2ec\uc740 \u2018\uc7a5\uae30\uc801 \uad00\uc810\u2019\uacfc \u2018\uafb8\uc900\ud55c \uc2e4\ucc9c\u2019\uc774\ub77c\ub294 \uc810\uc774 \uac70\ub4ed \ud655\uc778\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74, \uc6b0\uc120 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc744 \ucca0\uc800\ud788 \ud30c\uc545\ud558\uace0 \uc18c\ub4dd\uacfc \uc9c0\ucd9c\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uae30\ub85d\ud574\uc57c \ud569\ub2c8\ub2e4. \ubd80\uc5c5\uc774\ub098 \ud504\ub9ac\ub79c\uc11c \ud65c\ub3d9 \ub4f1 \ucd94\uac00 \uc18c\ub4dd\uc6d0 \ud655\ubcf4 \ubc29\uc548\uc744 \uace0\ubbfc\ud558\ub294 \uac83\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc904\uc774\ub294 \uac83\uc740 \ube60\ub974\uace0 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ub9c8\ub828\ud55c \uc885\uc7a3\ub3c8\uc744 \ubc14\ud0d5\uc73c\ub85c, \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc744 \uc2e4\ud589\ud568\uc73c\ub85c\uc368 \uc790\uc0b0\uc744 \uc870\uae08\uc529 \ubd88\ub824\ub098\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5\uc758 \ucd5c\uadfc \ub3d9\ud5a5\uc744 \uc0b4\ud53c\uace0, \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \ubcd1\ud589\ud558\uba70, \uacbd\uae30 \ubcc0\ub3d9\uc131\uc744 \uae30\ud68c\ub85c \uc0bc\ub294 \uc720\uc5f0\ud568\ub3c4 \uc78a\uc5b4\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\ub9cc\ud07c \uc911\uc694\ud55c \uac83\uc740 \uc790\uae30 \uc790\uc2e0\uc5d0 \ub300\ud55c \ud22c\uc790\uc785\ub2c8\ub2e4. \uc804\ubb38\uc131, \ub300\uc778\uad00\uacc4 \ub2a5\ub825, \uac74\uac15, \uc2ec\ub9ac\uc801 \uc548\uc815 \ub4f1 \ub2e4\uc591\ud55c \uc601\uc5ed\uc744 \ubc1c\uc804\uc2dc\ud0ac \ub54c, \ub354 \ub113\uc740 \ubb34\ub300\uc5d0\uc11c \ud65c\uc57d\ud560 \uc218 \uc788\ub294 \uae30\ud68c\uac00 \uc5f4\ub9ac\uace0, \uad81\uadf9\uc801\uc73c\ub85c \uacbd\uc81c\uc801 \uc790\uc720\uc5d0 \ud55c \uac78\uc74c \ub354 \ub2e4\uac00\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\uc815 \ubd80\ubd84 \uc608\uc0b0\uc744 \uc790\uae30\uacc4\ubc1c \uc6a9\ub3c4\ub85c \ud65c\uc6a9\ud558\uace0, \uc2e4\ud328\ub97c \ub450\ub824\uc6cc\ud558\uae30\ubcf4\ub2e4\ub294 \ubc30\uc6c0\uc758 \uae30\ud68c\ub85c \uc0bc\ub3c4\ub85d \ud569\uc2dc\ub2e4. \uc791\uc740 \uc2e4\ud328\uc640 \uc2dc\ud589\ucc29\uc624\ub294 \ub204\uad6c\ub098 \uacaa\uc9c0\ub9cc, \uadf8 \uacfc\uc815\uc5d0\uc11c \uc2b5\ub4dd\ud55c \uad50\ud6c8\uc774 \ubbf8\ub798\uc758 \ub354 \ud070 \uc131\uacf5\uc744 \uc774\ub8e8\ub294 \uc6d0\ub3d9\ub825\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uacbd\uc81c\uc801 \uc790\uc720\uc758 \uc644\uc131\uc740 \ubb3c\uc9c8\uc801\uc73c\ub85c \ud48d\uc871\ud574\uc9c0\ub294 \uac83\ub9cc\uc744 \uc758\ubbf8\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc624\ud788\ub824 \uc0b6\uc5d0\uc11c \ud558\uace0 \uc2f6\uc740 \uc77c\uc744 \ub9c8\uc74c\uaecf \uc120\ud0dd\ud560 \uc218 \uc788\ub294 \uc8fc\ub3c4\uad8c\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \uc9c4\uc815\ud55c \uc758\ubbf8\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \ubcf8\uc778\uc758 \uae08\uc735 \ubb38\ud574\ub825, \ud22c\uc790 \ub2a5\ub825, \uc9c1\ubb34 \uc5ed\ub7c9, \uadf8\ub9ac\uace0 \uc804\uc778\uc801 \uc131\uc7a5 \ubaa8\ub450\uac00 \uc5b4\uc6b0\ub7ec\uc838\uc57c \ud558\uc8e0. \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\uc740 \uadf8 \uc2dc\uc791\uc810\uc774\uc790, \uac00\uc7a5 \ube60\ub974\uac8c \ubc30\uc6c0\uc744 \ud761\uc218\ud560 \uc218 \uc788\ub294 \ud669\uae08\uae30\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \ub0a8\ub4e4\uc774 \ubd80\ub7ec\uc6cc\ud558\ub294 \ud070 \uc131\uacf5 \uc2a4\ud1a0\ub9ac\uac00 \uc544\ub2c8\ub77c\ub3c4, \uc2a4\uc2a4\ub85c\ub97c \ubbff\uace0 \uafb8\uc900\ud788 \uc2e4\ud589\ud558\ub294 \uc790\uc138\ub85c \ud558\ub8e8\ud558\ub8e8\ub97c \uc313\uc544\ub098\uac00\uba74 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uae00\uc774 \uc5ec\ub7ec\ubd84\uc758 \uc7ac\ubb34 \uacc4\ud68d\uacfc \uc778\uc0dd \uc124\uacc4\uc5d0 \ub3c4\uc6c0\uc774 \ub418\uc5c8\uae38 \ubc14\ub78d\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\ub294 \uc0c8\ub85c\uc6b4 \ucd9c\ubc1c\uc120 \uc704\uc5d0\uc11c, \uc62c\ubc14\ub978 \ubc29\ud5a5\uacfc \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \ubc29\uc548\uc744 \uac16\ucd94\uace0 \ub2ec\ub824\ub098\uac04\ub2e4\uba74 \uba38\uc9c0\uc54a\uc740 \ubbf8\ub798\uc5d0 \ud48d\ubd80\ud55c \uc120\ud0dd\uc9c0\ub97c \ub204\ub9ac\uba70 \uc0b4 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \uacbd\uc81c\uc801 \uc790\uc720\ub294 \uba40\ub9ac \uc788\ub294 \uafc8\uc774 \uc544\ub2c8\ub77c, \uc9c0\uae08 \uc774 \uc21c\uac04\ubd80\ud130 \ub9cc\ub4e4 \uc218 \uc788\ub294 \ubbf8\ub798\ub77c\ub294 \uc810\uc744 \uae30\uc5b5\ud558\uc138\uc694. \uc790, \uc774\uc81c\ubd80\ud130\ub294 \uc5ec\ub7ec\ubd84\uc758 \uad6c\uccb4\uc801\uc778 \uc2e4\ucc9c\uc774 \ub0a8\uc558\uc2b5\ub2c8\ub2e4. \ud798\ub0b4\uc2dc\uace0, \ubd80\ub514 \uc774 \uc5ec\uc815\uc744 \uc990\uae30\ub294 \ub9c8\uc74c\uc73c\ub85c \ud568\uaed8\ud574\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\uc815\ub9ac\ud558\uc790\uba74, \uc9c1\uc7a5\uc774\ub098 \uc18c\ub4dd\uc6d0\uc5d0 \uc758\uc874\ud558\uae30\ub9cc \ud558\uae30\ubcf4\ub2e4\ub294 \uc18c\ub4dd \ub2e4\ubcc0\ud654\ub97c \ubaa8\uc0c9\ud558\uace0, \uc9c0\ucd9c\uc744 \ud6a8\uc728\ud654\ud558\uba70, \uc7a5\uae30 \ud22c\uc790\uc640 \uc790\uae30\uacc4\ubc1c\uc744 \ud1b5\ud574 \ud55c \ub2e8\uacc4\uc529 \uc131\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \ubaa8\ub450\ub97c \uc7a5\uae30\uc801\uc778 \uc2dc\uc57c\ub85c \ubc14\ub77c\ubcf8\ub2e4\uba74, \uc5b4\ub290\uc0c8 \uc5ec\ub7ec\ubd84\uc740 \uacbd\uc81c\uc801 \uc790\uc720\uc758 \ubb38\ud131\uc5d0 \uac00\uae4c\uc6cc\uc838 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \ub3c5\uc790 \uc5ec\ub7ec\ubd84\uc758 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